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$41,842
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,144
−HK$1,322/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,549
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,267/mo
Today · 4.125%
HK$49,064
baseline
▲ 0.50% · 4.625%
HK$51,650
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,128/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,210
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,772
−HK$1,587/mo
Today · 4.125%
HK$53,359
baseline
▲ 0.50% · 4.625%
HK$56,606
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,718/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,859
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,357
−HK$1,519/mo
Today · 4.125%
HK$58,876
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,752/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,579
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,401
−HK$1,851/mo
Today · 4.125%
HK$62,252
baseline
▲ 0.50% · 4.625%
HK$66,040
+HK$3,788/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,504/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,168
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,916
−HK$1,773/mo
Today · 4.125%
HK$68,689
baseline
▲ 0.50% · 4.625%
HK$72,310
+HK$3,621/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,378/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,316
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,658
−HK$2,381/mo
Today · 4.125%
HK$80,039
baseline
▲ 0.50% · 4.625%
HK$84,909
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,078/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,788
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,280/mo
Today · 4.125%
HK$88,315
baseline
▲ 0.50% · 4.625%
HK$92,970
+HK$4,655/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,630/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,114 · Scale 2, in force from 26 Feb 2026)