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$38,179
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,367
−HK$1,206/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,613
−HK$1,156/mo
Today · 4.125%
HK$44,769
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,538/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,815
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,240
−HK$1,448/mo
Today · 4.125%
HK$48,688
baseline
▲ 0.50% · 4.625%
HK$51,650
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,376/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,969
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,336
−HK$1,386/mo
Today · 4.125%
HK$53,722
baseline
▲ 0.50% · 4.625%
HK$56,554
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,444/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,451
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,689/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,457/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,463
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,058
−HK$1,618/mo
Today · 4.125%
HK$62,676
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,352/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,722
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,860
−HK$2,172/mo
Today · 4.125%
HK$73,032
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$4,444/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,064/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,503
−HK$2,080/mo
Today · 4.125%
HK$80,583
baseline
▲ 0.50% · 4.625%
HK$84,831
+HK$4,248/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,166/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,875 · Scale 2, in force from 26 Feb 2026)