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$38,524
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,217/mo
Today · 4.125%
HK$40,940
baseline
▲ 0.50% · 4.625%
HK$43,431
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,880/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,858
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,007
−HK$1,166/mo
Today · 4.125%
HK$45,173
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,346/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,667
−HK$1,461/mo
Today · 4.125%
HK$49,128
baseline
▲ 0.50% · 4.625%
HK$52,118
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,256/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,430
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,809
−HK$1,399/mo
Today · 4.125%
HK$54,208
baseline
▲ 0.50% · 4.625%
HK$57,066
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,416/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,612
−HK$1,704/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,804
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,001
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,610
−HK$1,633/mo
Today · 4.125%
HK$63,243
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,486/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,501
−HK$2,191/mo
Today · 4.125%
HK$73,692
baseline
▲ 0.50% · 4.625%
HK$78,176
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,384/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,099/mo
Today · 4.125%
HK$81,312
baseline
▲ 0.50% · 4.625%
HK$85,598
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,624/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,554 · Scale 2, in force from 26 Feb 2026)