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$41,815
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,321/mo
Today · 4.125%
HK$44,437
baseline
▲ 0.50% · 4.625%
HK$47,141
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,874/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,766
−HK$1,266/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$51,616
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,178
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,739
−HK$1,585/mo
Today · 4.125%
HK$53,324
baseline
▲ 0.50% · 4.625%
HK$56,569
+HK$3,245/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,648/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,822
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,519/mo
Today · 4.125%
HK$58,838
baseline
▲ 0.50% · 4.625%
HK$61,940
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,676/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,541
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,850/mo
Today · 4.125%
HK$62,212
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,424/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,126
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,873
−HK$1,772/mo
Today · 4.125%
HK$68,645
baseline
▲ 0.50% · 4.625%
HK$72,263
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,290/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,267
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,608
−HK$2,379/mo
Today · 4.125%
HK$79,987
baseline
▲ 0.50% · 4.625%
HK$84,854
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,974/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,979
−HK$2,278/mo
Today · 4.125%
HK$88,257
baseline
▲ 0.50% · 4.625%
HK$92,910
+HK$4,653/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,514/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,668 · Scale 2, in force from 26 Feb 2026)