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$42,374
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,339/mo
Today · 4.125%
HK$45,031
baseline
▲ 0.50% · 4.625%
HK$47,771
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,062/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,140
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,405
−HK$1,282/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,306
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,848
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,607/mo
Today · 4.125%
HK$54,037
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,074/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,540/mo
Today · 4.125%
HK$59,625
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,250/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,323
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,168
−HK$1,875/mo
Today · 4.125%
HK$63,043
baseline
▲ 0.50% · 4.625%
HK$66,879
+HK$3,836/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,086/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,996
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,766
−HK$1,796/mo
Today · 4.125%
HK$69,562
baseline
▲ 0.50% · 4.625%
HK$73,229
+HK$3,667/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,124/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,273
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,645
−HK$2,411/mo
Today · 4.125%
HK$81,056
baseline
▲ 0.50% · 4.625%
HK$85,988
+HK$4,932/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,112/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,853
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,128
−HK$2,309/mo
Today · 4.125%
HK$89,437
baseline
▲ 0.50% · 4.625%
HK$94,151
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,874/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$696,858 · Scale 2, in force from 26 Feb 2026)