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$41,818
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,119
−HK$1,321/mo
Today · 4.125%
HK$44,440
baseline
▲ 0.50% · 4.625%
HK$47,145
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,880/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,522
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,770
−HK$1,266/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$51,620
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,743
−HK$1,586/mo
Today · 4.125%
HK$53,329
baseline
▲ 0.50% · 4.625%
HK$56,573
+HK$3,244/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,658/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,827
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,324
−HK$1,519/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,101/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,545
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,851/mo
Today · 4.125%
HK$62,217
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,434/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,131
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,878
−HK$1,772/mo
Today · 4.125%
HK$68,650
baseline
▲ 0.50% · 4.625%
HK$72,268
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,300/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,273
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,614
−HK$2,379/mo
Today · 4.125%
HK$79,993
baseline
▲ 0.50% · 4.625%
HK$84,860
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$159,986/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,740
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,986
−HK$2,278/mo
Today · 4.125%
HK$88,264
baseline
▲ 0.50% · 4.625%
HK$92,917
+HK$4,653/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,528/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,720 · Scale 2, in force from 26 Feb 2026)