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$41,793
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,093
−HK$1,321/mo
Today · 4.125%
HK$44,414
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,828/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,494
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,741
−HK$1,265/mo
Today · 4.125%
HK$49,006
baseline
▲ 0.50% · 4.625%
HK$51,589
+HK$2,583/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$98,012/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,584/mo
Today · 4.125%
HK$53,296
baseline
▲ 0.50% · 4.625%
HK$56,539
+HK$3,243/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,592/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,793
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,289
−HK$1,518/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$61,907
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,510
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,849/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,963
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,838
−HK$1,771/mo
Today · 4.125%
HK$68,609
baseline
▲ 0.50% · 4.625%
HK$72,225
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,218/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,227
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,567
−HK$2,378/mo
Today · 4.125%
HK$79,945
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,890/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,690
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,934
−HK$2,277/mo
Today · 4.125%
HK$88,211
baseline
▲ 0.50% · 4.625%
HK$92,861
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,422/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,307 · Scale 2, in force from 26 Feb 2026)