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$42,321
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,337/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,082
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,345
−HK$1,281/mo
Today · 4.125%
HK$49,626
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,252/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,785
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,365
−HK$1,605/mo
Today · 4.125%
HK$53,970
baseline
▲ 0.50% · 4.625%
HK$57,254
+HK$3,284/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,940/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,498
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,538/mo
Today · 4.125%
HK$59,551
baseline
▲ 0.50% · 4.625%
HK$62,690
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,102/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,250
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,093
−HK$1,872/mo
Today · 4.125%
HK$62,965
baseline
▲ 0.50% · 4.625%
HK$66,796
+HK$3,831/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,930/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,915
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,682
−HK$1,794/mo
Today · 4.125%
HK$69,476
baseline
▲ 0.50% · 4.625%
HK$73,138
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,952/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,178
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,548
−HK$2,407/mo
Today · 4.125%
HK$80,955
baseline
▲ 0.50% · 4.625%
HK$85,881
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,910/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,747
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,020
−HK$2,306/mo
Today · 4.125%
HK$89,326
baseline
▲ 0.50% · 4.625%
HK$94,034
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,652/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,994 · Scale 2, in force from 26 Feb 2026)