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$38,516
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,218/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,490/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,998
−HK$1,166/mo
Today · 4.125%
HK$45,164
baseline
▲ 0.50% · 4.625%
HK$47,545
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,328/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,461/mo
Today · 4.125%
HK$49,118
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,236/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,419
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,399/mo
Today · 4.125%
HK$54,197
baseline
▲ 0.50% · 4.625%
HK$57,053
+HK$2,856/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,394/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,704/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,597
−HK$1,632/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$66,562
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,329
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,486
−HK$2,191/mo
Today · 4.125%
HK$73,677
baseline
▲ 0.50% · 4.625%
HK$78,160
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,354/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,128
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,197
−HK$2,098/mo
Today · 4.125%
HK$81,295
baseline
▲ 0.50% · 4.625%
HK$85,580
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,590/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,420 · Scale 2, in force from 26 Feb 2026)