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$38,192
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,380
−HK$1,207/mo
Today · 4.125%
HK$40,587
baseline
▲ 0.50% · 4.625%
HK$43,056
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,174/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,488
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,627
−HK$1,156/mo
Today · 4.125%
HK$44,783
baseline
▲ 0.50% · 4.625%
HK$47,144
+HK$2,361/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,566/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,830
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,256
−HK$1,448/mo
Today · 4.125%
HK$48,704
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,408/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,985
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,353
−HK$1,387/mo
Today · 4.125%
HK$53,740
baseline
▲ 0.50% · 4.625%
HK$56,573
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,480/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,468
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,689/mo
Today · 4.125%
HK$56,821
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,458/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,642/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,483
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,078
−HK$1,619/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,305/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,745
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,883
−HK$2,173/mo
Today · 4.125%
HK$73,056
baseline
▲ 0.50% · 4.625%
HK$77,501
+HK$4,445/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,112/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,478
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,529
−HK$2,081/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$84,859
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,083 · Scale 2, in force from 26 Feb 2026)