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$38,169
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,357
−HK$1,206/mo
Today · 4.125%
HK$40,563
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,126/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,463
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,155/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,448/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,961/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,387/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$2,831/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,437
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,099
−HK$1,689/mo
Today · 4.125%
HK$56,788
baseline
▲ 0.50% · 4.625%
HK$60,244
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,576/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,043
−HK$1,617/mo
Today · 4.125%
HK$62,660
baseline
▲ 0.50% · 4.625%
HK$65,963
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,320/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,705
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,842
−HK$2,171/mo
Today · 4.125%
HK$73,013
baseline
▲ 0.50% · 4.625%
HK$77,456
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,026/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,434
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,484
−HK$2,079/mo
Today · 4.125%
HK$80,563
baseline
▲ 0.50% · 4.625%
HK$84,810
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,126/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,717 · Scale 2, in force from 26 Feb 2026)