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$38,134
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,206/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,424
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,154/mo
Today · 4.125%
HK$44,716
baseline
▲ 0.50% · 4.625%
HK$47,073
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,432/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,185
−HK$1,446/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,590
+HK$2,959/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,274
−HK$1,385/mo
Today · 4.125%
HK$53,659
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,318/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,388
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,049
−HK$1,687/mo
Today · 4.125%
HK$56,736
baseline
▲ 0.50% · 4.625%
HK$60,188
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,472/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,394
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,987
−HK$1,615/mo
Today · 4.125%
HK$62,602
baseline
▲ 0.50% · 4.625%
HK$65,902
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,204/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,642
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,777
−HK$2,169/mo
Today · 4.125%
HK$72,946
baseline
▲ 0.50% · 4.625%
HK$77,385
+HK$4,439/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,363
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,411
−HK$2,078/mo
Today · 4.125%
HK$80,489
baseline
▲ 0.50% · 4.625%
HK$84,732
+HK$4,243/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,978/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,139 · Scale 2, in force from 26 Feb 2026)