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$41,791
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,091
−HK$1,320/mo
Today · 4.125%
HK$44,411
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,703/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,822/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,492
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,739
−HK$1,265/mo
Today · 4.125%
HK$49,004
baseline
▲ 0.50% · 4.625%
HK$51,587
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$98,008/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,585/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$3,242/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,286
−HK$1,518/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,507
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,327
−HK$1,849/mo
Today · 4.125%
HK$62,176
baseline
▲ 0.50% · 4.625%
HK$65,959
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,352/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,088
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,834
−HK$1,771/mo
Today · 4.125%
HK$68,605
baseline
▲ 0.50% · 4.625%
HK$72,221
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,210/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,223
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,563
−HK$2,378/mo
Today · 4.125%
HK$79,941
baseline
▲ 0.50% · 4.625%
HK$84,805
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,882/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,685
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,930
−HK$2,276/mo
Today · 4.125%
HK$88,206
baseline
▲ 0.50% · 4.625%
HK$92,856
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,412/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,271 · Scale 2, in force from 26 Feb 2026)