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$41,826
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,127
−HK$1,322/mo
Today · 4.125%
HK$44,449
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,898/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,531
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,779
−HK$1,266/mo
Today · 4.125%
HK$49,045
baseline
▲ 0.50% · 4.625%
HK$51,630
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,090/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,191
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,752
−HK$1,586/mo
Today · 4.125%
HK$53,338
baseline
▲ 0.50% · 4.625%
HK$56,584
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,676/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,837
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,334
−HK$1,520/mo
Today · 4.125%
HK$58,854
baseline
▲ 0.50% · 4.625%
HK$61,956
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,708/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,556
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,377
−HK$1,851/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$66,014
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,890
−HK$1,772/mo
Today · 4.125%
HK$68,662
baseline
▲ 0.50% · 4.625%
HK$72,282
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,324/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,286
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,628
−HK$2,379/mo
Today · 4.125%
HK$80,007
baseline
▲ 0.50% · 4.625%
HK$84,876
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,014/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,755
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,002
−HK$2,278/mo
Today · 4.125%
HK$88,280
baseline
▲ 0.50% · 4.625%
HK$92,934
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,560/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,846 · Scale 2, in force from 26 Feb 2026)