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$38,544
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,743
−HK$1,218/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,493/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,880
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,167/mo
Today · 4.125%
HK$45,197
baseline
▲ 0.50% · 4.625%
HK$47,579
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,394/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,253
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,692
−HK$1,461/mo
Today · 4.125%
HK$49,153
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,306/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,456
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,836
−HK$1,400/mo
Today · 4.125%
HK$54,236
baseline
▲ 0.50% · 4.625%
HK$57,095
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,472/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,962
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,640
−HK$1,706/mo
Today · 4.125%
HK$57,346
baseline
▲ 0.50% · 4.625%
HK$60,835
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,692/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,032
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,642
−HK$1,633/mo
Today · 4.125%
HK$63,275
baseline
▲ 0.50% · 4.625%
HK$66,611
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,550/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,380
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,538
−HK$2,192/mo
Today · 4.125%
HK$73,730
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$4,487/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,460/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,184
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,254
−HK$2,100/mo
Today · 4.125%
HK$81,354
baseline
▲ 0.50% · 4.625%
HK$85,642
+HK$4,288/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,708/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,880 · Scale 2, in force from 26 Feb 2026)