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$41,814
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,115
−HK$1,321/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$47,140
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,518
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,766
−HK$1,265/mo
Today · 4.125%
HK$49,031
baseline
▲ 0.50% · 4.625%
HK$51,616
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,062/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,738
−HK$1,586/mo
Today · 4.125%
HK$53,324
baseline
▲ 0.50% · 4.625%
HK$56,568
+HK$3,244/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,648/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,822
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,519/mo
Today · 4.125%
HK$58,838
baseline
▲ 0.50% · 4.625%
HK$61,939
+HK$3,101/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,676/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,540
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,361
−HK$1,850/mo
Today · 4.125%
HK$62,211
baseline
▲ 0.50% · 4.625%
HK$65,996
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,422/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,125
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,872
−HK$1,772/mo
Today · 4.125%
HK$68,644
baseline
▲ 0.50% · 4.625%
HK$72,262
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,288/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,266
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,607
−HK$2,379/mo
Today · 4.125%
HK$79,986
baseline
▲ 0.50% · 4.625%
HK$84,853
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,972/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,732
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,978
−HK$2,278/mo
Today · 4.125%
HK$88,256
baseline
▲ 0.50% · 4.625%
HK$92,908
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,512/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,659 · Scale 2, in force from 26 Feb 2026)