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$41,811
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,321/mo
Today · 4.125%
HK$44,433
baseline
▲ 0.50% · 4.625%
HK$47,137
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,866/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,762
−HK$1,266/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$51,612
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,734
−HK$1,586/mo
Today · 4.125%
HK$53,320
baseline
▲ 0.50% · 4.625%
HK$56,564
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,640/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,518/mo
Today · 4.125%
HK$58,833
baseline
▲ 0.50% · 4.625%
HK$61,934
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,666/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,536
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,357
−HK$1,850/mo
Today · 4.125%
HK$62,207
baseline
▲ 0.50% · 4.625%
HK$65,992
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,414/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,120
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,867
−HK$1,772/mo
Today · 4.125%
HK$68,639
baseline
▲ 0.50% · 4.625%
HK$72,257
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,278/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,601
−HK$2,379/mo
Today · 4.125%
HK$79,980
baseline
▲ 0.50% · 4.625%
HK$84,846
+HK$4,866/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,960/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,726
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,972
−HK$2,278/mo
Today · 4.125%
HK$88,250
baseline
▲ 0.50% · 4.625%
HK$92,902
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,500/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,609 · Scale 2, in force from 26 Feb 2026)