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$38,155
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,205/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$43,015
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,447
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,155/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,786
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,210
−HK$1,447/mo
Today · 4.125%
HK$48,657
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,314/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,936
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,302
−HK$1,386/mo
Today · 4.125%
HK$53,688
baseline
▲ 0.50% · 4.625%
HK$56,518
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,376/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,417
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,688/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$60,221
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,426
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,019
−HK$1,617/mo
Today · 4.125%
HK$62,636
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,272/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,815
−HK$2,170/mo
Today · 4.125%
HK$72,985
baseline
▲ 0.50% · 4.625%
HK$77,426
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,970/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,404
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,453
−HK$2,079/mo
Today · 4.125%
HK$80,532
baseline
▲ 0.50% · 4.625%
HK$84,777
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,064/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,476 · Scale 2, in force from 26 Feb 2026)