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$41,787
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,320/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$47,109
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,487
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,734
−HK$1,265/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,582
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,144
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,704
−HK$1,585/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,531
+HK$3,242/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,785
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,281
−HK$1,518/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$61,898
+HK$3,099/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,849/mo
Today · 4.125%
HK$62,170
baseline
▲ 0.50% · 4.625%
HK$65,953
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,340/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,828
−HK$1,771/mo
Today · 4.125%
HK$68,599
baseline
▲ 0.50% · 4.625%
HK$72,215
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,198/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,216
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,556
−HK$2,377/mo
Today · 4.125%
HK$79,933
baseline
▲ 0.50% · 4.625%
HK$84,797
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,866/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,677
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,922
−HK$2,276/mo
Today · 4.125%
HK$88,198
baseline
▲ 0.50% · 4.625%
HK$92,847
+HK$4,649/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,396/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,208 · Scale 2, in force from 26 Feb 2026)