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$38,172
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,207/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,155/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,448/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,386/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,441
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,103
−HK$1,689/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$60,248
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,452
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,047
−HK$1,617/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,710
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,847
−HK$2,171/mo
Today · 4.125%
HK$73,018
baseline
▲ 0.50% · 4.625%
HK$77,461
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,036/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,439
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,489
−HK$2,080/mo
Today · 4.125%
HK$80,569
baseline
▲ 0.50% · 4.625%
HK$84,815
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,138/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,760 · Scale 2, in force from 26 Feb 2026)