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$38,152
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,339
−HK$1,206/mo
Today · 4.125%
HK$40,545
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,090/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,444
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,582
−HK$1,155/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,095
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,783
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,207
−HK$1,447/mo
Today · 4.125%
HK$48,654
baseline
▲ 0.50% · 4.625%
HK$51,614
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,308/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,933
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,299
−HK$1,386/mo
Today · 4.125%
HK$53,685
baseline
▲ 0.50% · 4.625%
HK$56,514
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,370/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,413
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,075
−HK$1,688/mo
Today · 4.125%
HK$56,763
baseline
▲ 0.50% · 4.625%
HK$60,217
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,526/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,422
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,617/mo
Today · 4.125%
HK$62,632
baseline
▲ 0.50% · 4.625%
HK$65,934
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,264/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,674
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,810
−HK$2,171/mo
Today · 4.125%
HK$72,981
baseline
▲ 0.50% · 4.625%
HK$77,421
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,962/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,399
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,448
−HK$2,079/mo
Today · 4.125%
HK$80,527
baseline
▲ 0.50% · 4.625%
HK$84,772
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,054/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,435 · Scale 2, in force from 26 Feb 2026)