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$41,828
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,129
−HK$1,322/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,782
−HK$1,266/mo
Today · 4.125%
HK$49,048
baseline
▲ 0.50% · 4.625%
HK$51,633
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,096/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,194
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,755
−HK$1,587/mo
Today · 4.125%
HK$53,342
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$3,245/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,684/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,840
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,338
−HK$1,519/mo
Today · 4.125%
HK$58,857
baseline
▲ 0.50% · 4.625%
HK$61,960
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,714/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,560
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,851/mo
Today · 4.125%
HK$62,232
baseline
▲ 0.50% · 4.625%
HK$66,019
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,464/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,894
−HK$1,773/mo
Today · 4.125%
HK$68,667
baseline
▲ 0.50% · 4.625%
HK$72,286
+HK$3,619/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,334/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,291
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,633
−HK$2,379/mo
Today · 4.125%
HK$80,012
baseline
▲ 0.50% · 4.625%
HK$84,881
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,024/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,761
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,007
−HK$2,279/mo
Today · 4.125%
HK$88,286
baseline
▲ 0.50% · 4.625%
HK$92,940
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,572/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,890 · Scale 2, in force from 26 Feb 2026)