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$41,802
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,102
−HK$1,321/mo
Today · 4.125%
HK$44,423
baseline
▲ 0.50% · 4.625%
HK$47,126
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,846/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,265/mo
Today · 4.125%
HK$49,016
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,032/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,162
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,585/mo
Today · 4.125%
HK$53,307
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,614/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,805
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,301
−HK$1,519/mo
Today · 4.125%
HK$58,820
baseline
▲ 0.50% · 4.625%
HK$61,920
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,640/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,522
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,343
−HK$1,849/mo
Today · 4.125%
HK$62,192
baseline
▲ 0.50% · 4.625%
HK$65,976
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,384/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,105
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,851
−HK$1,772/mo
Today · 4.125%
HK$68,623
baseline
▲ 0.50% · 4.625%
HK$72,240
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,246/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,243
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,583
−HK$2,378/mo
Today · 4.125%
HK$79,961
baseline
▲ 0.50% · 4.625%
HK$84,827
+HK$4,866/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,922/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,707
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,952
−HK$2,277/mo
Today · 4.125%
HK$88,229
baseline
▲ 0.50% · 4.625%
HK$92,880
+HK$4,651/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,458/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,449 · Scale 2, in force from 26 Feb 2026)