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$38,150
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,337
−HK$1,205/mo
Today · 4.125%
HK$40,542
baseline
▲ 0.50% · 4.625%
HK$43,009
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,084/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,442
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,155/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,093
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,780
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,204
−HK$1,447/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,296
−HK$1,385/mo
Today · 4.125%
HK$53,681
baseline
▲ 0.50% · 4.625%
HK$56,511
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,362/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,410
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,071
−HK$1,688/mo
Today · 4.125%
HK$56,759
baseline
▲ 0.50% · 4.625%
HK$60,213
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,518/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,418
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,012
−HK$1,616/mo
Today · 4.125%
HK$62,628
baseline
▲ 0.50% · 4.625%
HK$65,930
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,256/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,670
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,806
−HK$2,170/mo
Today · 4.125%
HK$72,976
baseline
▲ 0.50% · 4.625%
HK$77,417
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,952/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,395
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,444
−HK$2,078/mo
Today · 4.125%
HK$80,522
baseline
▲ 0.50% · 4.625%
HK$84,767
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,044/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,398 · Scale 2, in force from 26 Feb 2026)