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$38,138
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,206/mo
Today · 4.125%
HK$40,530
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,060/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,154/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,766
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,189
−HK$1,447/mo
Today · 4.125%
HK$48,636
baseline
▲ 0.50% · 4.625%
HK$51,595
+HK$2,959/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,272/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,914
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,279
−HK$1,386/mo
Today · 4.125%
HK$53,665
baseline
▲ 0.50% · 4.625%
HK$56,493
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,330/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,054
−HK$1,688/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$60,194
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,399
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$60,993
−HK$1,616/mo
Today · 4.125%
HK$62,609
baseline
▲ 0.50% · 4.625%
HK$65,909
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,218/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,784
−HK$2,169/mo
Today · 4.125%
HK$72,953
baseline
▲ 0.50% · 4.625%
HK$77,392
+HK$4,439/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,906/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,371
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,419
−HK$2,078/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$84,740
+HK$4,243/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,201 · Scale 2, in force from 26 Feb 2026)