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$41,834
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,135
−HK$1,323/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$47,163
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,540
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,266/mo
Today · 4.125%
HK$49,054
baseline
▲ 0.50% · 4.625%
HK$51,640
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,108/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,201
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,586/mo
Today · 4.125%
HK$53,349
baseline
▲ 0.50% · 4.625%
HK$56,595
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,698/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,848
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,346
−HK$1,519/mo
Today · 4.125%
HK$58,865
baseline
▲ 0.50% · 4.625%
HK$61,968
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,730/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,568
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,390
−HK$1,851/mo
Today · 4.125%
HK$62,241
baseline
▲ 0.50% · 4.625%
HK$66,028
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,482/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,156
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,904
−HK$1,772/mo
Today · 4.125%
HK$68,676
baseline
▲ 0.50% · 4.625%
HK$72,296
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,352/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,301
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,644
−HK$2,380/mo
Today · 4.125%
HK$80,024
baseline
▲ 0.50% · 4.625%
HK$84,893
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,048/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,772
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,019
−HK$2,279/mo
Today · 4.125%
HK$88,298
baseline
▲ 0.50% · 4.625%
HK$92,952
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,596/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,985 · Scale 2, in force from 26 Feb 2026)