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$38,190
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,207/mo
Today · 4.125%
HK$40,585
baseline
▲ 0.50% · 4.625%
HK$43,054
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,170/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,486
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,625
−HK$1,156/mo
Today · 4.125%
HK$44,781
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,361/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,562/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,828
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,448/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,387/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$56,570
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,466
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,129
−HK$1,689/mo
Today · 4.125%
HK$56,818
baseline
▲ 0.50% · 4.625%
HK$60,276
+HK$3,458/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,636/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,480
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,619/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$65,998
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,742
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$2,172/mo
Today · 4.125%
HK$73,052
baseline
▲ 0.50% · 4.625%
HK$77,497
+HK$4,445/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,104/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,474
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,525
−HK$2,081/mo
Today · 4.125%
HK$80,606
baseline
▲ 0.50% · 4.625%
HK$84,855
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,212/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,051 · Scale 2, in force from 26 Feb 2026)