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$41,816
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,321/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,266/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,179
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,740
−HK$1,586/mo
Today · 4.125%
HK$53,326
baseline
▲ 0.50% · 4.625%
HK$56,570
+HK$3,244/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,652/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,824
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,321
−HK$1,519/mo
Today · 4.125%
HK$58,840
baseline
▲ 0.50% · 4.625%
HK$61,941
+HK$3,101/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,680/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,363
−HK$1,850/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,999
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,128
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,874
−HK$1,772/mo
Today · 4.125%
HK$68,646
baseline
▲ 0.50% · 4.625%
HK$72,265
+HK$3,619/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,292/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,268
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,610
−HK$2,378/mo
Today · 4.125%
HK$79,988
baseline
▲ 0.50% · 4.625%
HK$84,856
+HK$4,868/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,976/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,735
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,981
−HK$2,278/mo
Today · 4.125%
HK$88,259
baseline
▲ 0.50% · 4.625%
HK$92,912
+HK$4,653/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,518/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,683 · Scale 2, in force from 26 Feb 2026)