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$38,199
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,207/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,470/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,156/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,361/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,265
−HK$1,448/mo
Today · 4.125%
HK$48,713
baseline
▲ 0.50% · 4.625%
HK$51,677
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,426/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,995
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,363
−HK$1,387/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$56,583
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,478
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,142
−HK$1,690/mo
Today · 4.125%
HK$56,832
baseline
▲ 0.50% · 4.625%
HK$60,290
+HK$3,458/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,664/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,494
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,090
−HK$1,619/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,014
+HK$3,305/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,758
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$2,173/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$4,446/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,493
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,081/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,250/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,202 · Scale 2, in force from 26 Feb 2026)