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$41,821
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,322/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$47,147
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,773
−HK$1,265/mo
Today · 4.125%
HK$49,038
baseline
▲ 0.50% · 4.625%
HK$51,623
+HK$2,585/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,076/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,185
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,746
−HK$1,586/mo
Today · 4.125%
HK$53,332
baseline
▲ 0.50% · 4.625%
HK$56,577
+HK$3,245/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$106,664/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,830
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,327
−HK$1,519/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$61,948
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.00M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,549
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,370
−HK$1,850/mo
Today · 4.125%
HK$62,220
baseline
▲ 0.50% · 4.625%
HK$66,006
+HK$3,786/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,440/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,882
−HK$1,772/mo
Today · 4.125%
HK$68,654
baseline
▲ 0.50% · 4.625%
HK$72,273
+HK$3,619/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,308/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,277
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,618
−HK$2,379/mo
Today · 4.125%
HK$79,997
baseline
▲ 0.50% · 4.625%
HK$84,865
+HK$4,868/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$159,994/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,745
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,991
−HK$2,278/mo
Today · 4.125%
HK$88,269
baseline
▲ 0.50% · 4.625%
HK$92,922
+HK$4,653/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,538/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,760 · Scale 2, in force from 26 Feb 2026)