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$42,341
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,338/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,367
−HK$1,282/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,809
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,606/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,524
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,538/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$62,719
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,277
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,121
−HK$1,873/mo
Today · 4.125%
HK$62,994
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,988/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,945
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,714
−HK$1,794/mo
Today · 4.125%
HK$69,508
baseline
▲ 0.50% · 4.625%
HK$73,172
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,016/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,213
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,409/mo
Today · 4.125%
HK$80,993
baseline
▲ 0.50% · 4.625%
HK$85,921
+HK$4,928/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,986/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,787
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,061
−HK$2,306/mo
Today · 4.125%
HK$89,367
baseline
▲ 0.50% · 4.625%
HK$94,078
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,734/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,317 · Scale 2, in force from 26 Feb 2026)