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$41,799
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,321/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,501
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,265/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,597
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,719
−HK$1,585/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,548
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,518/mo
Today · 4.125%
HK$58,816
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,632/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,519
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,339
−HK$1,849/mo
Today · 4.125%
HK$62,188
baseline
▲ 0.50% · 4.625%
HK$65,972
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,376/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,101
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,847
−HK$1,772/mo
Today · 4.125%
HK$68,619
baseline
▲ 0.50% · 4.625%
HK$72,236
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,238/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,238
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,579
−HK$2,377/mo
Today · 4.125%
HK$79,956
baseline
▲ 0.50% · 4.625%
HK$84,821
+HK$4,865/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,912/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,702
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,947
−HK$2,277/mo
Today · 4.125%
HK$88,224
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,448/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,407 · Scale 2, in force from 26 Feb 2026)