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$38,126
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,312
−HK$1,205/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,983
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,553
−HK$1,154/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,752
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,175
−HK$1,446/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,579
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,898
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,385/mo
Today · 4.125%
HK$53,648
baseline
▲ 0.50% · 4.625%
HK$56,476
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,296/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,377
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,037
−HK$1,687/mo
Today · 4.125%
HK$56,724
baseline
▲ 0.50% · 4.625%
HK$60,176
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,448/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,381
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,974
−HK$1,615/mo
Today · 4.125%
HK$62,589
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,178/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,627
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,762
−HK$2,169/mo
Today · 4.125%
HK$72,931
baseline
▲ 0.50% · 4.625%
HK$77,369
+HK$4,438/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,862/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,347
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,395
−HK$2,077/mo
Today · 4.125%
HK$80,472
baseline
▲ 0.50% · 4.625%
HK$84,714
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,944/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,007 · Scale 2, in force from 26 Feb 2026)