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$41,813
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,321/mo
Today · 4.125%
HK$44,435
baseline
▲ 0.50% · 4.625%
HK$47,139
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,870/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,517
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,764
−HK$1,266/mo
Today · 4.125%
HK$49,030
baseline
▲ 0.50% · 4.625%
HK$51,614
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,060/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,176
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,737
−HK$1,585/mo
Today · 4.125%
HK$53,322
baseline
▲ 0.50% · 4.625%
HK$56,567
+HK$3,245/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,644/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,820
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,317
−HK$1,519/mo
Today · 4.125%
HK$58,836
baseline
▲ 0.50% · 4.625%
HK$61,937
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,672/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,538
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,359
−HK$1,850/mo
Today · 4.125%
HK$62,209
baseline
▲ 0.50% · 4.625%
HK$65,995
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,418/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,123
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,870
−HK$1,772/mo
Today · 4.125%
HK$68,642
baseline
▲ 0.50% · 4.625%
HK$72,260
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,284/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,264
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,605
−HK$2,378/mo
Today · 4.125%
HK$79,983
baseline
▲ 0.50% · 4.625%
HK$84,850
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,966/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,730
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,976
−HK$2,278/mo
Today · 4.125%
HK$88,254
baseline
▲ 0.50% · 4.625%
HK$92,906
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,508/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,639 · Scale 2, in force from 26 Feb 2026)