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$38,129
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,315
−HK$1,205/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,985
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,418
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,155/mo
Today · 4.125%
HK$44,710
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,420/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,446/mo
Today · 4.125%
HK$48,624
baseline
▲ 0.50% · 4.625%
HK$51,582
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,248/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,901
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,384/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,380
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,687/mo
Today · 4.125%
HK$56,728
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,456/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,385
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,615/mo
Today · 4.125%
HK$62,593
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,186/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,632
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,767
−HK$2,169/mo
Today · 4.125%
HK$72,936
baseline
▲ 0.50% · 4.625%
HK$77,373
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,872/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,352
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,400
−HK$2,077/mo
Today · 4.125%
HK$80,477
baseline
▲ 0.50% · 4.625%
HK$84,719
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,954/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,047 · Scale 2, in force from 26 Feb 2026)