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$38,540
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,218/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,875
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,025
−HK$1,167/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,574
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,248
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,461/mo
Today · 4.125%
HK$49,148
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,296/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,830
−HK$1,400/mo
Today · 4.125%
HK$54,230
baseline
▲ 0.50% · 4.625%
HK$57,089
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,460/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,956
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,634
−HK$1,706/mo
Today · 4.125%
HK$57,340
baseline
▲ 0.50% · 4.625%
HK$60,829
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,680/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,026
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,635
−HK$1,634/mo
Today · 4.125%
HK$63,269
baseline
▲ 0.50% · 4.625%
HK$66,604
+HK$3,335/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,538/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,372
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,530
−HK$2,192/mo
Today · 4.125%
HK$73,722
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,444/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,176
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,099/mo
Today · 4.125%
HK$81,345
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,288/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,690/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,812 · Scale 2, in force from 26 Feb 2026)