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$41,769
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,068
−HK$1,320/mo
Today · 4.125%
HK$44,388
baseline
▲ 0.50% · 4.625%
HK$47,089
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,776/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,468
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,714
−HK$1,264/mo
Today · 4.125%
HK$48,978
baseline
▲ 0.50% · 4.625%
HK$51,560
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,956/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,123
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,584/mo
Today · 4.125%
HK$53,266
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$3,241/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,532/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,761
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,257
−HK$1,517/mo
Today · 4.125%
HK$58,774
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,098/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,548/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,477
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,296
−HK$1,848/mo
Today · 4.125%
HK$62,144
baseline
▲ 0.50% · 4.625%
HK$65,925
+HK$3,781/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,288/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,055
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,799
−HK$1,770/mo
Today · 4.125%
HK$68,569
baseline
▲ 0.50% · 4.625%
HK$72,184
+HK$3,615/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,138/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,184
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,523
−HK$2,376/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,761
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,642
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,885
−HK$2,276/mo
Today · 4.125%
HK$88,161
baseline
▲ 0.50% · 4.625%
HK$92,808
+HK$4,647/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,322/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,913 · Scale 2, in force from 26 Feb 2026)