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$42,349
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,339/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,743
+HK$2,738/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,113
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,376
−HK$1,282/mo
Today · 4.125%
HK$49,658
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,316/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,399
−HK$1,606/mo
Today · 4.125%
HK$54,005
baseline
▲ 0.50% · 4.625%
HK$57,292
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$108,010/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,052
−HK$1,538/mo
Today · 4.125%
HK$59,590
baseline
▲ 0.50% · 4.625%
HK$62,731
+HK$3,141/mo
Deposit HK$7.43M · loan HK$11.14M · min. income ≈ HK$119,180/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,288
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,133
−HK$1,873/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,834/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,958
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$1,794/mo
Today · 4.125%
HK$69,521
baseline
▲ 0.50% · 4.625%
HK$73,186
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,042/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,228
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,599
−HK$2,409/mo
Today · 4.125%
HK$81,008
baseline
▲ 0.50% · 4.625%
HK$85,937
+HK$4,929/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$162,016/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,803
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,077
−HK$2,308/mo
Today · 4.125%
HK$89,385
baseline
▲ 0.50% · 4.625%
HK$94,096
+HK$4,711/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,770/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,450 · Scale 2, in force from 26 Feb 2026)