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$41,808
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,321/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$47,134
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,511
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,759
−HK$1,265/mo
Today · 4.125%
HK$49,024
baseline
▲ 0.50% · 4.625%
HK$51,608
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,048/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,170
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,585/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,560
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,814
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,311
−HK$1,518/mo
Today · 4.125%
HK$58,829
baseline
▲ 0.50% · 4.625%
HK$61,930
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,658/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,532
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,352
−HK$1,850/mo
Today · 4.125%
HK$62,202
baseline
▲ 0.50% · 4.625%
HK$65,987
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,404/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,116
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,862
−HK$1,772/mo
Today · 4.125%
HK$68,634
baseline
▲ 0.50% · 4.625%
HK$72,252
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,268/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,255
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,596
−HK$2,378/mo
Today · 4.125%
HK$79,974
baseline
▲ 0.50% · 4.625%
HK$84,841
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,948/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,721
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,966
−HK$2,278/mo
Today · 4.125%
HK$88,244
baseline
▲ 0.50% · 4.625%
HK$92,895
+HK$4,651/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,488/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,561 · Scale 2, in force from 26 Feb 2026)