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$41,838
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,140
−HK$1,322/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$47,167
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,545
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,266/mo
Today · 4.125%
HK$49,059
baseline
▲ 0.50% · 4.625%
HK$51,645
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,118/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,206
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,767
−HK$1,587/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,601
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,853
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,351
−HK$1,520/mo
Today · 4.125%
HK$58,871
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,742/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,573
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,395
−HK$1,851/mo
Today · 4.125%
HK$62,246
baseline
▲ 0.50% · 4.625%
HK$66,034
+HK$3,788/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,492/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,162
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,910
−HK$1,773/mo
Today · 4.125%
HK$68,683
baseline
▲ 0.50% · 4.625%
HK$72,303
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,366/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,309
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,651
−HK$2,380/mo
Today · 4.125%
HK$80,031
baseline
▲ 0.50% · 4.625%
HK$84,901
+HK$4,870/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,062/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,780
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,027
−HK$2,280/mo
Today · 4.125%
HK$88,307
baseline
▲ 0.50% · 4.625%
HK$92,961
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,614/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,051 · Scale 2, in force from 26 Feb 2026)