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$2,655/mo
▼ 0.25% · 3.875%
HK$43,661
−HK$1,338/mo
Today · 4.125%
HK$44,999
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,739/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,998/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,107
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,371
−HK$1,281/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,270
+HK$2,618/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,393
−HK$1,606/mo
Today · 4.125%
HK$53,999
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$3,286/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$107,998/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,371 · 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$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,282
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,126
−HK$1,873/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,833
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,719
−HK$1,794/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,178
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,590
−HK$2,409/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$696,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,793
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,067
−HK$2,307/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,085
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,371 · Scale 2, in force from 26 Feb 2026)