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$41,782
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,321/mo
Today · 4.125%
HK$44,402
baseline
▲ 0.50% · 4.625%
HK$47,104
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,804/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,482
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,728
−HK$1,265/mo
Today · 4.125%
HK$48,993
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,986/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,138
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,698
−HK$1,584/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,524
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,778
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,274
−HK$1,518/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,314
−HK$1,849/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,945
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,075
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,820
−HK$1,770/mo
Today · 4.125%
HK$68,590
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,180/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,207
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,547
−HK$2,376/mo
Today · 4.125%
HK$79,923
baseline
▲ 0.50% · 4.625%
HK$84,787
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,846/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,667
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,911
−HK$2,277/mo
Today · 4.125%
HK$88,188
baseline
▲ 0.50% · 4.625%
HK$92,836
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,376/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,124 · Scale 2, in force from 26 Feb 2026)