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$42,344
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,661
−HK$1,339/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,738/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,108
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,371
−HK$1,282/mo
Today · 4.125%
HK$49,653
baseline
▲ 0.50% · 4.625%
HK$52,270
+HK$2,617/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,306/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,606/mo
Today · 4.125%
HK$54,000
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$3,285/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,000/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,529
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,045
−HK$1,538/mo
Today · 4.125%
HK$59,583
baseline
▲ 0.50% · 4.625%
HK$62,724
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,166/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,282
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,126
−HK$1,874/mo
Today · 4.125%
HK$63,000
baseline
▲ 0.50% · 4.625%
HK$66,833
+HK$3,833/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,000/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,951
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,719
−HK$1,795/mo
Today · 4.125%
HK$69,514
baseline
▲ 0.50% · 4.625%
HK$73,178
+HK$3,664/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,028/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,220
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,591
−HK$2,408/mo
Today · 4.125%
HK$80,999
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,929/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,998/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,068
−HK$2,307/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,375 · Scale 2, in force from 26 Feb 2026)