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$38,169
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,206/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,463
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,156/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,448/mo
Today · 4.125%
HK$48,675
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,350/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,386/mo
Today · 4.125%
HK$53,708
baseline
▲ 0.50% · 4.625%
HK$56,539
+HK$2,831/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,416/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,437
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,099
−HK$1,688/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$60,243
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,042
−HK$1,617/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$65,962
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,841
−HK$2,171/mo
Today · 4.125%
HK$73,012
baseline
▲ 0.50% · 4.625%
HK$77,455
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$146,024/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,482
−HK$2,080/mo
Today · 4.125%
HK$80,562
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,124/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,708 · Scale 2, in force from 26 Feb 2026)