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$38,559
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,219/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,470
+HK$2,493/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,896
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,167/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,597
+HK$2,383/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,271
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,710
−HK$1,462/mo
Today · 4.125%
HK$49,172
baseline
▲ 0.50% · 4.625%
HK$52,164
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,344/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,856
−HK$1,401/mo
Today · 4.125%
HK$54,257
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,514/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,983
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,662
−HK$1,706/mo
Today · 4.125%
HK$57,368
baseline
▲ 0.50% · 4.625%
HK$60,858
+HK$3,490/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,736/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,055
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,666
−HK$1,634/mo
Today · 4.125%
HK$63,300
baseline
▲ 0.50% · 4.625%
HK$66,636
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,600/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,406
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,565
−HK$2,194/mo
Today · 4.125%
HK$73,759
baseline
▲ 0.50% · 4.625%
HK$78,247
+HK$4,488/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,518/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,214
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,101/mo
Today · 4.125%
HK$81,385
baseline
▲ 0.50% · 4.625%
HK$85,675
+HK$4,290/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,770/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,123 · Scale 2, in force from 26 Feb 2026)