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$41,773
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,320/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$47,094
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,718
−HK$1,265/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,128
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,687
−HK$1,584/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$3,241/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,766
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,262
−HK$1,517/mo
Today · 4.125%
HK$58,779
baseline
▲ 0.50% · 4.625%
HK$61,878
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,558/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,482
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,848/mo
Today · 4.125%
HK$62,149
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,298/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$1,770/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,190
+HK$3,614/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,191
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,530
−HK$2,376/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,769
+HK$4,863/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,650
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,893
−HK$2,276/mo
Today · 4.125%
HK$88,169
baseline
▲ 0.50% · 4.625%
HK$92,816
+HK$4,647/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,338/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,978 · Scale 2, in force from 26 Feb 2026)