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$41,777
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,320/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,264/mo
Today · 4.125%
HK$48,987
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,974/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,132
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,585/mo
Today · 4.125%
HK$53,276
baseline
▲ 0.50% · 4.625%
HK$56,517
+HK$3,241/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,552/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,771
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,267
−HK$1,518/mo
Today · 4.125%
HK$58,785
baseline
▲ 0.50% · 4.625%
HK$61,883
+HK$3,098/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,570/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,487
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,307
−HK$1,848/mo
Today · 4.125%
HK$62,155
baseline
▲ 0.50% · 4.625%
HK$65,937
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,310/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,812
−HK$1,770/mo
Today · 4.125%
HK$68,582
baseline
▲ 0.50% · 4.625%
HK$72,197
+HK$3,615/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,164/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,198
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,377/mo
Today · 4.125%
HK$79,914
baseline
▲ 0.50% · 4.625%
HK$84,776
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,828/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,657
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,901
−HK$2,276/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$92,825
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,040 · Scale 2, in force from 26 Feb 2026)