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$41,806
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,321/mo
Today · 4.125%
HK$44,428
baseline
▲ 0.50% · 4.625%
HK$47,131
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,856/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,509
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,265/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,168
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,728
−HK$1,586/mo
Today · 4.125%
HK$53,314
baseline
▲ 0.50% · 4.625%
HK$56,558
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,628/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,811
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,308
−HK$1,518/mo
Today · 4.125%
HK$58,826
baseline
▲ 0.50% · 4.625%
HK$61,927
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,652/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,529
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,349
−HK$1,850/mo
Today · 4.125%
HK$62,199
baseline
▲ 0.50% · 4.625%
HK$65,984
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,398/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,113
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,859
−HK$1,772/mo
Today · 4.125%
HK$68,631
baseline
▲ 0.50% · 4.625%
HK$72,248
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,262/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,251
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,592
−HK$2,378/mo
Today · 4.125%
HK$79,970
baseline
▲ 0.50% · 4.625%
HK$84,836
+HK$4,866/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,940/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,716
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,962
−HK$2,277/mo
Today · 4.125%
HK$88,239
baseline
▲ 0.50% · 4.625%
HK$92,891
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,478/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,528 · Scale 2, in force from 26 Feb 2026)