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$41,796
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,321/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,703/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,265/mo
Today · 4.125%
HK$49,010
baseline
▲ 0.50% · 4.625%
HK$51,593
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$98,020/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,155
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,715
−HK$1,585/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,797
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,518/mo
Today · 4.125%
HK$58,812
baseline
▲ 0.50% · 4.625%
HK$61,912
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,624/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,514
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,335
−HK$1,849/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,097
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$1,771/mo
Today · 4.125%
HK$68,614
baseline
▲ 0.50% · 4.625%
HK$72,230
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,228/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,233
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,573
−HK$2,378/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,815
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,696
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,940
−HK$2,278/mo
Today · 4.125%
HK$88,218
baseline
▲ 0.50% · 4.625%
HK$92,868
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,436/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,358 · Scale 2, in force from 26 Feb 2026)