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$38,159
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,346
−HK$1,206/mo
Today · 4.125%
HK$40,552
baseline
▲ 0.50% · 4.625%
HK$43,019
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,104/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,155/mo
Today · 4.125%
HK$44,745
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,490/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,791
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,215
−HK$1,447/mo
Today · 4.125%
HK$48,662
baseline
▲ 0.50% · 4.625%
HK$51,623
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,324/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,942
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,308
−HK$1,386/mo
Today · 4.125%
HK$53,694
baseline
▲ 0.50% · 4.625%
HK$56,524
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,388/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,422
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,084
−HK$1,688/mo
Today · 4.125%
HK$56,772
baseline
▲ 0.50% · 4.625%
HK$60,227
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,544/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,432
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,617/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$65,945
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,286/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,686
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,822
−HK$2,171/mo
Today · 4.125%
HK$72,993
baseline
▲ 0.50% · 4.625%
HK$77,435
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,986/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,412
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,462
−HK$2,079/mo
Today · 4.125%
HK$80,541
baseline
▲ 0.50% · 4.625%
HK$84,786
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,082/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,543 · Scale 2, in force from 26 Feb 2026)