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$38,522
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,218/mo
Today · 4.125%
HK$40,938
baseline
▲ 0.50% · 4.625%
HK$43,429
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,876/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,005
−HK$1,166/mo
Today · 4.125%
HK$45,171
baseline
▲ 0.50% · 4.625%
HK$47,552
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,342/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,226
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,664
−HK$1,461/mo
Today · 4.125%
HK$49,125
baseline
▲ 0.50% · 4.625%
HK$52,114
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,250/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,426
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,806
−HK$1,399/mo
Today · 4.125%
HK$54,205
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,410/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,931
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,608
−HK$1,705/mo
Today · 4.125%
HK$57,313
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,626/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,997
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,606
−HK$1,633/mo
Today · 4.125%
HK$63,239
baseline
▲ 0.50% · 4.625%
HK$66,572
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,478/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,339
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$2,192/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,099/mo
Today · 4.125%
HK$81,307
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,614/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,513 · Scale 2, in force from 26 Feb 2026)