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$41,835
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,136
−HK$1,322/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$47,163
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,541
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,789
−HK$1,266/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,202
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,587/mo
Today · 4.125%
HK$53,350
baseline
▲ 0.50% · 4.625%
HK$56,596
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,700/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,849
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,347
−HK$1,519/mo
Today · 4.125%
HK$58,866
baseline
▲ 0.50% · 4.625%
HK$61,969
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,732/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,569
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,391
−HK$1,851/mo
Today · 4.125%
HK$62,242
baseline
▲ 0.50% · 4.625%
HK$66,029
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,484/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,157
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,905
−HK$1,772/mo
Today · 4.125%
HK$68,677
baseline
▲ 0.50% · 4.625%
HK$72,297
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,354/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,303
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,645
−HK$2,380/mo
Today · 4.125%
HK$80,025
baseline
▲ 0.50% · 4.625%
HK$84,894
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,050/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,773
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,020
−HK$2,280/mo
Today · 4.125%
HK$88,300
baseline
▲ 0.50% · 4.625%
HK$92,954
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,600/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,996 · Scale 2, in force from 26 Feb 2026)