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$41,776
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,321/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,475
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,264/mo
Today · 4.125%
HK$48,986
baseline
▲ 0.50% · 4.625%
HK$51,568
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,972/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,131
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,585/mo
Today · 4.125%
HK$53,275
baseline
▲ 0.50% · 4.625%
HK$56,516
+HK$3,241/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,550/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,770
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,266
−HK$1,517/mo
Today · 4.125%
HK$58,783
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,566/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,486
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,849/mo
Today · 4.125%
HK$62,154
baseline
▲ 0.50% · 4.625%
HK$65,936
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,308/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,065
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,810
−HK$1,771/mo
Today · 4.125%
HK$68,581
baseline
▲ 0.50% · 4.625%
HK$72,195
+HK$3,614/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,162/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,196
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,536
−HK$2,376/mo
Today · 4.125%
HK$79,912
baseline
▲ 0.50% · 4.625%
HK$84,774
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,824/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,655
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,899
−HK$2,276/mo
Today · 4.125%
HK$88,175
baseline
▲ 0.50% · 4.625%
HK$92,823
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,350/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,025 · Scale 2, in force from 26 Feb 2026)