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$38,130
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,205/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,986
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,419
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,155/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,067
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,755
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,446/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,583
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,903
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,268
−HK$1,385/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,481
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,381
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,687/mo
Today · 4.125%
HK$56,729
baseline
▲ 0.50% · 4.625%
HK$60,181
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,458/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,386
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,979
−HK$1,616/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$65,894
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$2,169/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$77,375
+HK$4,438/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,354
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,402
−HK$2,077/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$84,721
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,061 · Scale 2, in force from 26 Feb 2026)