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$41,823
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,124
−HK$1,322/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,266/mo
Today · 4.125%
HK$49,041
baseline
▲ 0.50% · 4.625%
HK$51,626
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,082/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,187
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,749
−HK$1,586/mo
Today · 4.125%
HK$53,335
baseline
▲ 0.50% · 4.625%
HK$56,580
+HK$3,245/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,670/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,833
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,520/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$61,952
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,851/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$66,010
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,139
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$1,772/mo
Today · 4.125%
HK$68,658
baseline
▲ 0.50% · 4.625%
HK$72,277
+HK$3,619/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,316/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,281
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,623
−HK$2,379/mo
Today · 4.125%
HK$80,002
baseline
▲ 0.50% · 4.625%
HK$84,870
+HK$4,868/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,004/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,750
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,996
−HK$2,278/mo
Today · 4.125%
HK$88,274
baseline
▲ 0.50% · 4.625%
HK$92,927
+HK$4,653/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,548/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,800 · Scale 2, in force from 26 Feb 2026)