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$41,802
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,102
−HK$1,322/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$47,127
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,505
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,752
−HK$1,265/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$51,601
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,163
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,723
−HK$1,585/mo
Today · 4.125%
HK$53,308
baseline
▲ 0.50% · 4.625%
HK$56,552
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,616/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,805
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,302
−HK$1,518/mo
Today · 4.125%
HK$58,820
baseline
▲ 0.50% · 4.625%
HK$61,921
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,640/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,343
−HK$1,850/mo
Today · 4.125%
HK$62,193
baseline
▲ 0.50% · 4.625%
HK$65,977
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,386/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,106
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,852
−HK$1,772/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,244
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,584
−HK$2,378/mo
Today · 4.125%
HK$79,962
baseline
▲ 0.50% · 4.625%
HK$84,828
+HK$4,866/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,924/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,708
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,953
−HK$2,278/mo
Today · 4.125%
HK$88,231
baseline
▲ 0.50% · 4.625%
HK$92,881
+HK$4,650/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,462/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,459 · Scale 2, in force from 26 Feb 2026)