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$38,201
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,207/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,470/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,499
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,157/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,361/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,842
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,268
−HK$1,448/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,681
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,366
−HK$1,388/mo
Today · 4.125%
HK$53,754
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,508/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,482
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,691/mo
Today · 4.125%
HK$56,836
baseline
▲ 0.50% · 4.625%
HK$60,294
+HK$3,458/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,672/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,498
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,094
−HK$1,619/mo
Today · 4.125%
HK$62,713
baseline
▲ 0.50% · 4.625%
HK$66,018
+HK$3,305/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,426/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,762
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,901
−HK$2,173/mo
Today · 4.125%
HK$73,074
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$4,447/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,148/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,497
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,081/mo
Today · 4.125%
HK$80,630
baseline
▲ 0.50% · 4.625%
HK$84,881
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,260/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,241 · Scale 2, in force from 26 Feb 2026)