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$41,830
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,322/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$47,159
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,536
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,784
−HK$1,266/mo
Today · 4.125%
HK$49,050
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,100/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,197
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,758
−HK$1,586/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,590
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,688/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,843
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,341
−HK$1,519/mo
Today · 4.125%
HK$58,860
baseline
▲ 0.50% · 4.625%
HK$61,963
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,720/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,563
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,384
−HK$1,851/mo
Today · 4.125%
HK$62,235
baseline
▲ 0.50% · 4.625%
HK$66,022
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,470/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,150
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,898
−HK$1,772/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,290
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,295
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,637
−HK$2,380/mo
Today · 4.125%
HK$80,017
baseline
▲ 0.50% · 4.625%
HK$84,885
+HK$4,868/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,034/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,765
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$86,011
−HK$2,279/mo
Today · 4.125%
HK$88,290
baseline
▲ 0.50% · 4.625%
HK$92,944
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,580/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,925 · Scale 2, in force from 26 Feb 2026)