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$38,143
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,205/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,467/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,154/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,772
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,446/mo
Today · 4.125%
HK$48,642
baseline
▲ 0.50% · 4.625%
HK$51,602
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,284/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,286
−HK$1,386/mo
Today · 4.125%
HK$53,672
baseline
▲ 0.50% · 4.625%
HK$56,501
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,344/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,400
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,061
−HK$1,688/mo
Today · 4.125%
HK$56,749
baseline
▲ 0.50% · 4.625%
HK$60,202
+HK$3,453/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,498/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,407
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,001
−HK$1,616/mo
Today · 4.125%
HK$62,617
baseline
▲ 0.50% · 4.625%
HK$65,918
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,234/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,793
−HK$2,170/mo
Today · 4.125%
HK$72,963
baseline
▲ 0.50% · 4.625%
HK$77,403
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,926/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,381
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,429
−HK$2,079/mo
Today · 4.125%
HK$80,508
baseline
▲ 0.50% · 4.625%
HK$84,751
+HK$4,243/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$161,016/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,285 · Scale 2, in force from 26 Feb 2026)