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$38,197
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,207/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,470/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,156/mo
Today · 4.125%
HK$44,790
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,361/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,580/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,449/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,388/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$56,581
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,476
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,690/mo
Today · 4.125%
HK$56,829
baseline
▲ 0.50% · 4.625%
HK$60,287
+HK$3,458/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,658/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,492
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,087
−HK$1,619/mo
Today · 4.125%
HK$62,706
baseline
▲ 0.50% · 4.625%
HK$66,011
+HK$3,305/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,412/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,755
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$2,172/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$77,512
+HK$4,446/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,489
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,081/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$84,871
+HK$4,249/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,173 · Scale 2, in force from 26 Feb 2026)