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$38,537
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,218/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,872
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,166/mo
Today · 4.125%
HK$45,188
baseline
▲ 0.50% · 4.625%
HK$47,570
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,376/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,244
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,461/mo
Today · 4.125%
HK$49,144
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,288/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,446
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,826
−HK$1,400/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,952
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,705/mo
Today · 4.125%
HK$57,335
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,670/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,021
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,631
−HK$1,633/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$66,598
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,367
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,524
−HK$2,192/mo
Today · 4.125%
HK$73,716
baseline
▲ 0.50% · 4.625%
HK$78,202
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,432/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,170
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,100/mo
Today · 4.125%
HK$81,339
baseline
▲ 0.50% · 4.625%
HK$85,626
+HK$4,287/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,678/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,761 · Scale 2, in force from 26 Feb 2026)