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$41,810
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,321/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,265/mo
Today · 4.125%
HK$49,026
baseline
▲ 0.50% · 4.625%
HK$51,610
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,052/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,172
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,733
−HK$1,585/mo
Today · 4.125%
HK$53,318
baseline
▲ 0.50% · 4.625%
HK$56,563
+HK$3,245/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,636/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,816
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,313
−HK$1,518/mo
Today · 4.125%
HK$58,831
baseline
▲ 0.50% · 4.625%
HK$61,933
+HK$3,102/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,662/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,534
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,850/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,990
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,865
−HK$1,772/mo
Today · 4.125%
HK$68,637
baseline
▲ 0.50% · 4.625%
HK$72,255
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,274/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,258
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,599
−HK$2,378/mo
Today · 4.125%
HK$79,977
baseline
▲ 0.50% · 4.625%
HK$84,844
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,954/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,724
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,969
−HK$2,278/mo
Today · 4.125%
HK$88,247
baseline
▲ 0.50% · 4.625%
HK$92,899
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,494/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,588 · Scale 2, in force from 26 Feb 2026)