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$41,795
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,321/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,266/mo
Today · 4.125%
HK$49,009
baseline
▲ 0.50% · 4.625%
HK$51,592
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$98,018/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,154
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,585/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,542
+HK$3,243/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,796
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,292
−HK$1,518/mo
Today · 4.125%
HK$58,810
baseline
▲ 0.50% · 4.625%
HK$61,910
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,620/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,513
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,333
−HK$1,849/mo
Today · 4.125%
HK$62,182
baseline
▲ 0.50% · 4.625%
HK$65,966
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,364/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,095
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,841
−HK$1,771/mo
Today · 4.125%
HK$68,612
baseline
▲ 0.50% · 4.625%
HK$72,229
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,224/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,231
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,378/mo
Today · 4.125%
HK$79,949
baseline
▲ 0.50% · 4.625%
HK$84,813
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,898/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,694
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,938
−HK$2,277/mo
Today · 4.125%
HK$88,215
baseline
▲ 0.50% · 4.625%
HK$92,865
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,430/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,340 · Scale 2, in force from 26 Feb 2026)