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$38,176
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,207/mo
Today · 4.125%
HK$40,570
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,140/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,156/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,811
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,236
−HK$1,448/mo
Today · 4.125%
HK$48,684
baseline
▲ 0.50% · 4.625%
HK$51,646
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,368/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,964
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,331
−HK$1,387/mo
Today · 4.125%
HK$53,718
baseline
▲ 0.50% · 4.625%
HK$56,549
+HK$2,831/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,436/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,446
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,109
−HK$1,689/mo
Today · 4.125%
HK$56,798
baseline
▲ 0.50% · 4.625%
HK$60,254
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,596/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,053
−HK$1,618/mo
Today · 4.125%
HK$62,671
baseline
▲ 0.50% · 4.625%
HK$65,974
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,342/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,716
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,854
−HK$2,172/mo
Today · 4.125%
HK$73,026
baseline
▲ 0.50% · 4.625%
HK$77,469
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,052/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,446
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,497
−HK$2,080/mo
Today · 4.125%
HK$80,577
baseline
▲ 0.50% · 4.625%
HK$84,824
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,154/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,822 · Scale 2, in force from 26 Feb 2026)