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$41,790
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,090
−HK$1,321/mo
Today · 4.125%
HK$44,411
baseline
▲ 0.50% · 4.625%
HK$47,113
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,822/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,491
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,738
−HK$1,265/mo
Today · 4.125%
HK$49,003
baseline
▲ 0.50% · 4.625%
HK$51,586
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$98,006/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,148
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,708
−HK$1,585/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$3,243/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,789
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,518/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$61,903
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,506
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,326
−HK$1,849/mo
Today · 4.125%
HK$62,175
baseline
▲ 0.50% · 4.625%
HK$65,958
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,350/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,087
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,833
−HK$1,771/mo
Today · 4.125%
HK$68,604
baseline
▲ 0.50% · 4.625%
HK$72,220
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,208/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,222
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,562
−HK$2,377/mo
Today · 4.125%
HK$79,939
baseline
▲ 0.50% · 4.625%
HK$84,803
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,878/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,684
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,928
−HK$2,277/mo
Today · 4.125%
HK$88,205
baseline
▲ 0.50% · 4.625%
HK$92,854
+HK$4,649/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,410/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,260 · Scale 2, in force from 26 Feb 2026)