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$42,379
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,340/mo
Today · 4.125%
HK$45,037
baseline
▲ 0.50% · 4.625%
HK$47,777
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,074/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,146
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,411
−HK$1,282/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,313
+HK$2,620/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,855
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,607/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,575
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,539/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$62,775
+HK$3,143/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,331
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,176
−HK$1,875/mo
Today · 4.125%
HK$63,051
baseline
▲ 0.50% · 4.625%
HK$66,888
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,102/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,005
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$1,796/mo
Today · 4.125%
HK$69,571
baseline
▲ 0.50% · 4.625%
HK$73,238
+HK$3,667/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,142/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,282
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,655
−HK$2,411/mo
Today · 4.125%
HK$81,066
baseline
▲ 0.50% · 4.625%
HK$85,998
+HK$4,932/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,132/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,863
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,139
−HK$2,309/mo
Today · 4.125%
HK$89,448
baseline
▲ 0.50% · 4.625%
HK$94,163
+HK$4,715/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,896/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,945 · Scale 2, in force from 26 Feb 2026)