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$41,783
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,083
−HK$1,320/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,265/mo
Today · 4.125%
HK$48,995
baseline
▲ 0.50% · 4.625%
HK$51,577
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,990/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,140
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,699
−HK$1,585/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,518/mo
Today · 4.125%
HK$58,794
baseline
▲ 0.50% · 4.625%
HK$61,893
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,588/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,316
−HK$1,849/mo
Today · 4.125%
HK$62,165
baseline
▲ 0.50% · 4.625%
HK$65,947
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,330/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,077
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,822
−HK$1,770/mo
Today · 4.125%
HK$68,592
baseline
▲ 0.50% · 4.625%
HK$72,208
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,184/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,210
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,549
−HK$2,377/mo
Today · 4.125%
HK$79,926
baseline
▲ 0.50% · 4.625%
HK$84,789
+HK$4,863/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,852/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,670
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,914
−HK$2,276/mo
Today · 4.125%
HK$88,190
baseline
▲ 0.50% · 4.625%
HK$92,839
+HK$4,649/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,380/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,145 · Scale 2, in force from 26 Feb 2026)