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$42,280
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,596
−HK$1,336/mo
Today · 4.125%
HK$44,932
baseline
▲ 0.50% · 4.625%
HK$47,666
+HK$2,734/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,864/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,037
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,280/mo
Today · 4.125%
HK$49,578
baseline
▲ 0.50% · 4.625%
HK$52,191
+HK$2,613/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,156/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,737
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,315
−HK$1,603/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$57,199
+HK$3,281/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,444
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,958
−HK$1,535/mo
Today · 4.125%
HK$59,493
baseline
▲ 0.50% · 4.625%
HK$62,629
+HK$3,136/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$118,986/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,193
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,871/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,851
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$1,792/mo
Today · 4.125%
HK$69,409
baseline
▲ 0.50% · 4.625%
HK$73,068
+HK$3,659/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,818/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,105
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,472
−HK$2,405/mo
Today · 4.125%
HK$80,877
baseline
▲ 0.50% · 4.625%
HK$85,798
+HK$4,921/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,754/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,666
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,937
−HK$2,303/mo
Today · 4.125%
HK$89,240
baseline
▲ 0.50% · 4.625%
HK$93,944
+HK$4,704/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,480/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,324 · Scale 2, in force from 26 Feb 2026)