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$38,518
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,218/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,424
+HK$2,490/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,851
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,166/mo
Today · 4.125%
HK$45,166
baseline
▲ 0.50% · 4.625%
HK$47,547
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,332/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,460/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$52,109
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,800
−HK$1,399/mo
Today · 4.125%
HK$54,199
baseline
▲ 0.50% · 4.625%
HK$57,056
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,398/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,925
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,704/mo
Today · 4.125%
HK$57,307
baseline
▲ 0.50% · 4.625%
HK$60,794
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,614/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,992
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,632/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$66,566
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,333
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,489
−HK$2,192/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$78,164
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,132
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,201
−HK$2,098/mo
Today · 4.125%
HK$81,299
baseline
▲ 0.50% · 4.625%
HK$85,585
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,598/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,452 · Scale 2, in force from 26 Feb 2026)