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$41,833
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,322/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,787
−HK$1,266/mo
Today · 4.125%
HK$49,053
baseline
▲ 0.50% · 4.625%
HK$51,639
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,106/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,200
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,587/mo
Today · 4.125%
HK$53,348
baseline
▲ 0.50% · 4.625%
HK$56,594
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,696/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,847
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,344
−HK$1,520/mo
Today · 4.125%
HK$58,864
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,728/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,388
−HK$1,851/mo
Today · 4.125%
HK$62,239
baseline
▲ 0.50% · 4.625%
HK$66,026
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,478/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,154
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,902
−HK$1,772/mo
Today · 4.125%
HK$68,674
baseline
▲ 0.50% · 4.625%
HK$72,294
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,348/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,299
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,642
−HK$2,379/mo
Today · 4.125%
HK$80,021
baseline
▲ 0.50% · 4.625%
HK$84,891
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,042/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,770
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,017
−HK$2,279/mo
Today · 4.125%
HK$88,296
baseline
▲ 0.50% · 4.625%
HK$92,950
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,592/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,967 · Scale 2, in force from 26 Feb 2026)