The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,295
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,611
−HK$1,337/mo
Today · 4.125%
HK$44,948
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,896/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,053
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,315
−HK$1,280/mo
Today · 4.125%
HK$49,595
baseline
▲ 0.50% · 4.625%
HK$52,209
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,190/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,754
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,604/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,464
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,536/mo
Today · 4.125%
HK$59,514
baseline
▲ 0.50% · 4.625%
HK$62,651
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,028/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,213
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,872/mo
Today · 4.125%
HK$62,927
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,828/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,854/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,874
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,641
−HK$1,792/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,093
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,131
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,500
−HK$2,406/mo
Today · 4.125%
HK$80,906
baseline
▲ 0.50% · 4.625%
HK$85,828
+HK$4,922/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,812/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,695
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,967
−HK$2,304/mo
Today · 4.125%
HK$89,271
baseline
▲ 0.50% · 4.625%
HK$93,977
+HK$4,706/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,542/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,568 · Scale 2, in force from 26 Feb 2026)