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$38,157
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,206/mo
Today · 4.125%
HK$40,550
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,100/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,450
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,588
−HK$1,155/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,789
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,213
−HK$1,447/mo
Today · 4.125%
HK$48,660
baseline
▲ 0.50% · 4.625%
HK$51,621
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,320/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,940
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,306
−HK$1,386/mo
Today · 4.125%
HK$53,692
baseline
▲ 0.50% · 4.625%
HK$56,522
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,384/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,420
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,082
−HK$1,688/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$60,225
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,430
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,023
−HK$1,617/mo
Today · 4.125%
HK$62,640
baseline
▲ 0.50% · 4.625%
HK$65,942
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,280/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,683
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$2,170/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$77,432
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,409
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,079/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$84,783
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,518 · Scale 2, in force from 26 Feb 2026)