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$38,131
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,317
−HK$1,205/mo
Today · 4.125%
HK$40,522
baseline
▲ 0.50% · 4.625%
HK$42,988
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,044/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,421
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,558
−HK$1,155/mo
Today · 4.125%
HK$44,713
baseline
▲ 0.50% · 4.625%
HK$47,069
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,426/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,758
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,181
−HK$1,446/mo
Today · 4.125%
HK$48,627
baseline
▲ 0.50% · 4.625%
HK$51,586
+HK$2,959/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,254/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,905
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,385/mo
Today · 4.125%
HK$53,655
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,310/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,384
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,044
−HK$1,687/mo
Today · 4.125%
HK$56,731
baseline
▲ 0.50% · 4.625%
HK$60,183
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,462/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,389
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,616/mo
Today · 4.125%
HK$62,598
baseline
▲ 0.50% · 4.625%
HK$65,897
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,196/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,636
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,771
−HK$2,169/mo
Today · 4.125%
HK$72,940
baseline
▲ 0.50% · 4.625%
HK$77,379
+HK$4,439/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,880/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,357
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,405
−HK$2,078/mo
Today · 4.125%
HK$80,483
baseline
▲ 0.50% · 4.625%
HK$84,725
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,966/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,090 · Scale 2, in force from 26 Feb 2026)