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$38,189
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,207/mo
Today · 4.125%
HK$40,584
baseline
▲ 0.50% · 4.625%
HK$43,054
+HK$2,470/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,168/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,485
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,625
−HK$1,156/mo
Today · 4.125%
HK$44,781
baseline
▲ 0.50% · 4.625%
HK$47,141
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,562/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,448/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,963/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,387/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$56,569
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,690/mo
Today · 4.125%
HK$56,818
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,457/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,636/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,074
−HK$1,619/mo
Today · 4.125%
HK$62,693
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,386/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,741
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,879
−HK$2,172/mo
Today · 4.125%
HK$73,051
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$4,445/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,102/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,473
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,081/mo
Today · 4.125%
HK$80,605
baseline
▲ 0.50% · 4.625%
HK$84,854
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,210/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,043 · Scale 2, in force from 26 Feb 2026)