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$2,393/mo
▼ 0.25% · 3.875%
HK$39,337
−HK$1,206/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,405 · 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$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,781
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,446/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,612
+HK$2,961/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$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,296
−HK$1,386/mo
Today · 4.125%
HK$53,682
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,364/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,411
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,072
−HK$1,688/mo
Today · 4.125%
HK$56,760
baseline
▲ 0.50% · 4.625%
HK$60,214
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,520/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,419
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,012
−HK$1,617/mo
Today · 4.125%
HK$62,629
baseline
▲ 0.50% · 4.625%
HK$65,930
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,258/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,671
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$2,170/mo
Today · 4.125%
HK$72,977
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,954/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,444
−HK$2,079/mo
Today · 4.125%
HK$80,523
baseline
▲ 0.50% · 4.625%
HK$84,767
+HK$4,244/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,046/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,405 · Scale 2, in force from 26 Feb 2026)