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$2,624/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,322/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,706/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,548
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,267/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$51,649
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,209
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,587/mo
Today · 4.125%
HK$53,358
baseline
▲ 0.50% · 4.625%
HK$56,605
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,716/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,857
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,356
−HK$1,519/mo
Today · 4.125%
HK$58,875
baseline
▲ 0.50% · 4.625%
HK$61,979
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,750/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,578
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,400
−HK$1,851/mo
Today · 4.125%
HK$62,251
baseline
▲ 0.50% · 4.625%
HK$66,039
+HK$3,788/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,502/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,167
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,915
−HK$1,773/mo
Today · 4.125%
HK$68,688
baseline
▲ 0.50% · 4.625%
HK$72,308
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,376/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,314
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,657
−HK$2,380/mo
Today · 4.125%
HK$80,037
baseline
▲ 0.50% · 4.625%
HK$84,907
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,074/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,786
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,033
−HK$2,280/mo
Today · 4.125%
HK$88,313
baseline
▲ 0.50% · 4.625%
HK$92,968
+HK$4,655/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,626/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,101 · Scale 2, in force from 26 Feb 2026)