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$38,154
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,206/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,446
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,154/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,785
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,209
−HK$1,447/mo
Today · 4.125%
HK$48,656
baseline
▲ 0.50% · 4.625%
HK$51,617
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,312/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,935
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,301
−HK$1,386/mo
Today · 4.125%
HK$53,687
baseline
▲ 0.50% · 4.625%
HK$56,517
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,374/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,416
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,077
−HK$1,689/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$60,220
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,425
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,018
−HK$1,617/mo
Today · 4.125%
HK$62,635
baseline
▲ 0.50% · 4.625%
HK$65,937
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,270/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,678
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,814
−HK$2,170/mo
Today · 4.125%
HK$72,984
baseline
▲ 0.50% · 4.625%
HK$77,425
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,968/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,403
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,452
−HK$2,079/mo
Today · 4.125%
HK$80,531
baseline
▲ 0.50% · 4.625%
HK$84,776
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,062/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,466 · Scale 2, in force from 26 Feb 2026)