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$41,841
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,142
−HK$1,322/mo
Today · 4.125%
HK$44,464
baseline
▲ 0.50% · 4.625%
HK$47,170
+HK$2,706/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,928/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,547
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,266/mo
Today · 4.125%
HK$49,062
baseline
▲ 0.50% · 4.625%
HK$51,648
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,124/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,770
−HK$1,587/mo
Today · 4.125%
HK$53,357
baseline
▲ 0.50% · 4.625%
HK$56,604
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,714/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,857
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,355
−HK$1,519/mo
Today · 4.125%
HK$58,874
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,748/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,577
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,851/mo
Today · 4.125%
HK$62,250
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,788/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,500/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,166
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$1,773/mo
Today · 4.125%
HK$68,687
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,374/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,313
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,656
−HK$2,380/mo
Today · 4.125%
HK$80,036
baseline
▲ 0.50% · 4.625%
HK$84,906
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,072/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,785
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,032
−HK$2,279/mo
Today · 4.125%
HK$88,311
baseline
▲ 0.50% · 4.625%
HK$92,967
+HK$4,656/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,622/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,089 · Scale 2, in force from 26 Feb 2026)