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$41,781
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,320/mo
Today · 4.125%
HK$44,401
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,802/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,481
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,265/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,697
−HK$1,584/mo
Today · 4.125%
HK$53,281
baseline
▲ 0.50% · 4.625%
HK$56,523
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,562/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,777
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,273
−HK$1,517/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,493
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,313
−HK$1,848/mo
Today · 4.125%
HK$62,161
baseline
▲ 0.50% · 4.625%
HK$65,944
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,322/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,073
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,818
−HK$1,771/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$3,615/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,206
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,545
−HK$2,377/mo
Today · 4.125%
HK$79,922
baseline
▲ 0.50% · 4.625%
HK$84,785
+HK$4,863/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,844/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,666
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,909
−HK$2,277/mo
Today · 4.125%
HK$88,186
baseline
▲ 0.50% · 4.625%
HK$92,834
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,372/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,109 · Scale 2, in force from 26 Feb 2026)