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$38,185
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,207/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,156/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,822
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,247
−HK$1,448/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,658
+HK$2,963/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,976
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,387/mo
Today · 4.125%
HK$53,730
baseline
▲ 0.50% · 4.625%
HK$56,562
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,460/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,459
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,121
−HK$1,690/mo
Today · 4.125%
HK$56,811
baseline
▲ 0.50% · 4.625%
HK$60,268
+HK$3,457/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,622/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,472
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,067
−HK$1,618/mo
Today · 4.125%
HK$62,685
baseline
▲ 0.50% · 4.625%
HK$65,989
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,370/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,732
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$2,173/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$4,444/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,515
−HK$2,080/mo
Today · 4.125%
HK$80,595
baseline
▲ 0.50% · 4.625%
HK$84,844
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,190/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,968 · Scale 2, in force from 26 Feb 2026)