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$41,777
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,077
−HK$1,320/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,477
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,265/mo
Today · 4.125%
HK$48,988
baseline
▲ 0.50% · 4.625%
HK$51,570
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,976/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,692
−HK$1,584/mo
Today · 4.125%
HK$53,276
baseline
▲ 0.50% · 4.625%
HK$56,518
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,552/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,772
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,517/mo
Today · 4.125%
HK$58,785
baseline
▲ 0.50% · 4.625%
HK$61,884
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,570/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,488
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,307
−HK$1,849/mo
Today · 4.125%
HK$62,156
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,312/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,812
−HK$1,771/mo
Today · 4.125%
HK$68,583
baseline
▲ 0.50% · 4.625%
HK$72,198
+HK$3,615/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,166/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,199
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,538
−HK$2,377/mo
Today · 4.125%
HK$79,915
baseline
▲ 0.50% · 4.625%
HK$84,777
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,830/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,658
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,902
−HK$2,276/mo
Today · 4.125%
HK$88,178
baseline
▲ 0.50% · 4.625%
HK$92,826
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,356/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,048 · Scale 2, in force from 26 Feb 2026)