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$38,188
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,376
−HK$1,207/mo
Today · 4.125%
HK$40,583
baseline
▲ 0.50% · 4.625%
HK$43,053
+HK$2,470/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,166/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,484
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,156/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,140
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,826
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,252
−HK$1,448/mo
Today · 4.125%
HK$48,700
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,963/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,400/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,981
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,348
−HK$1,388/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$56,568
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,464
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,127
−HK$1,690/mo
Today · 4.125%
HK$56,817
baseline
▲ 0.50% · 4.625%
HK$60,274
+HK$3,457/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,634/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,478
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,073
−HK$1,618/mo
Today · 4.125%
HK$62,691
baseline
▲ 0.50% · 4.625%
HK$65,996
+HK$3,305/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,382/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,739
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,877
−HK$2,173/mo
Today · 4.125%
HK$73,050
baseline
▲ 0.50% · 4.625%
HK$77,495
+HK$4,445/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,100/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,472
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,523
−HK$2,080/mo
Today · 4.125%
HK$80,603
baseline
▲ 0.50% · 4.625%
HK$84,852
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,206/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,030 · Scale 2, in force from 26 Feb 2026)