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$41,800
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,321/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,503
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,265/mo
Today · 4.125%
HK$49,015
baseline
▲ 0.50% · 4.625%
HK$51,599
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,030/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,161
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,721
−HK$1,585/mo
Today · 4.125%
HK$53,306
baseline
▲ 0.50% · 4.625%
HK$56,550
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,612/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,803
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,300
−HK$1,518/mo
Today · 4.125%
HK$58,818
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,100/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,636/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,521
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$60,341
−HK$1,849/mo
Today · 4.125%
HK$62,190
baseline
▲ 0.50% · 4.625%
HK$65,974
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,380/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,104
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$66,850
−HK$1,771/mo
Today · 4.125%
HK$68,621
baseline
▲ 0.50% · 4.625%
HK$72,238
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,242/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,241
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,581
−HK$2,378/mo
Today · 4.125%
HK$79,959
baseline
▲ 0.50% · 4.625%
HK$84,824
+HK$4,865/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,918/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,705
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,949
−HK$2,278/mo
Today · 4.125%
HK$88,227
baseline
▲ 0.50% · 4.625%
HK$92,877
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,454/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,430 · Scale 2, in force from 26 Feb 2026)