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$41,817
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,321/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,521
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,265/mo
Today · 4.125%
HK$49,034
baseline
▲ 0.50% · 4.625%
HK$51,619
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,068/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,180
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,741
−HK$1,586/mo
Today · 4.125%
HK$53,327
baseline
▲ 0.50% · 4.625%
HK$56,572
+HK$3,245/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,654/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,825
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,322
−HK$1,519/mo
Today · 4.125%
HK$58,841
baseline
▲ 0.50% · 4.625%
HK$61,943
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,682/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,544
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,850/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,129
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,876
−HK$1,772/mo
Today · 4.125%
HK$68,648
baseline
▲ 0.50% · 4.625%
HK$72,267
+HK$3,619/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,296/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,271
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,612
−HK$2,379/mo
Today · 4.125%
HK$79,991
baseline
▲ 0.50% · 4.625%
HK$84,858
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,982/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,738
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,984
−HK$2,278/mo
Today · 4.125%
HK$88,262
baseline
▲ 0.50% · 4.625%
HK$92,914
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,524/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,702 · Scale 2, in force from 26 Feb 2026)