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$41,811
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,321/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,704/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,514
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,266/mo
Today · 4.125%
HK$49,027
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,054/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,173
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,733
−HK$1,586/mo
Today · 4.125%
HK$53,319
baseline
▲ 0.50% · 4.625%
HK$56,563
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,638/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,817
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,314
−HK$1,518/mo
Today · 4.125%
HK$58,832
baseline
▲ 0.50% · 4.625%
HK$61,933
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,664/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,535
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,356
−HK$1,849/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,990
+HK$3,785/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,866
−HK$1,772/mo
Today · 4.125%
HK$68,638
baseline
▲ 0.50% · 4.625%
HK$72,256
+HK$3,618/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,276/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,259
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,600
−HK$2,378/mo
Today · 4.125%
HK$79,978
baseline
▲ 0.50% · 4.625%
HK$84,845
+HK$4,867/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,956/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,278/mo
Today · 4.125%
HK$88,248
baseline
▲ 0.50% · 4.625%
HK$92,900
+HK$4,652/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,496/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,597 · Scale 2, in force from 26 Feb 2026)