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$42,559
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,345/mo
Today · 4.125%
HK$45,228
baseline
▲ 0.50% · 4.625%
HK$47,980
+HK$2,752/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,456/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,617
−HK$1,288/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,535
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,071
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,660
−HK$1,614/mo
Today · 4.125%
HK$54,274
baseline
▲ 0.50% · 4.625%
HK$57,576
+HK$3,302/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,548/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,816
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,546/mo
Today · 4.125%
HK$59,886
baseline
▲ 0.50% · 4.625%
HK$63,042
+HK$3,156/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,772/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,583
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,436
−HK$1,883/mo
Today · 4.125%
HK$63,319
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,853/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,638/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,285
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,063
−HK$1,804/mo
Today · 4.125%
HK$69,867
baseline
▲ 0.50% · 4.625%
HK$73,549
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,734/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,607
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,990
−HK$2,421/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$86,364
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,224
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,510
−HK$2,319/mo
Today · 4.125%
HK$89,829
baseline
▲ 0.50% · 4.625%
HK$94,564
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,658/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,910 · Scale 2, in force from 26 Feb 2026)