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$38,142
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,206/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,433
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,154/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,770
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,447/mo
Today · 4.125%
HK$48,641
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,959/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,282/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,385/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,499
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,060
−HK$1,687/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,453/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,406
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,999
−HK$1,616/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$65,916
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,791
−HK$2,170/mo
Today · 4.125%
HK$72,961
baseline
▲ 0.50% · 4.625%
HK$77,400
+HK$4,439/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,922/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,379
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,078/mo
Today · 4.125%
HK$80,505
baseline
▲ 0.50% · 4.625%
HK$84,749
+HK$4,244/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$161,010/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,264 · Scale 2, in force from 26 Feb 2026)