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$41,837
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,323/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,792
−HK$1,266/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,205
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,766
−HK$1,587/mo
Today · 4.125%
HK$53,353
baseline
▲ 0.50% · 4.625%
HK$56,599
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,706/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,852
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,350
−HK$1,520/mo
Today · 4.125%
HK$58,870
baseline
▲ 0.50% · 4.625%
HK$61,973
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,740/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,851/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$66,032
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$1,773/mo
Today · 4.125%
HK$68,681
baseline
▲ 0.50% · 4.625%
HK$72,301
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,362/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,307
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,649
−HK$2,380/mo
Today · 4.125%
HK$80,029
baseline
▲ 0.50% · 4.625%
HK$84,899
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,058/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,778
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,025
−HK$2,279/mo
Today · 4.125%
HK$88,304
baseline
▲ 0.50% · 4.625%
HK$92,959
+HK$4,655/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,608/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,033 · Scale 2, in force from 26 Feb 2026)