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$38,515
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,713
−HK$1,218/mo
Today · 4.125%
HK$40,931
baseline
▲ 0.50% · 4.625%
HK$43,421
+HK$2,490/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,862/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,848
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,166/mo
Today · 4.125%
HK$45,163
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,380/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,326/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,218
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,461/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$52,105
+HK$2,988/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,398/mo
Today · 4.125%
HK$54,195
baseline
▲ 0.50% · 4.625%
HK$57,052
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,390/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,921
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,704/mo
Today · 4.125%
HK$57,303
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,606/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,987
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,596
−HK$1,632/mo
Today · 4.125%
HK$63,228
baseline
▲ 0.50% · 4.625%
HK$66,561
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,456/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,328
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,484
−HK$2,191/mo
Today · 4.125%
HK$73,675
baseline
▲ 0.50% · 4.625%
HK$78,158
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,350/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,195
−HK$2,098/mo
Today · 4.125%
HK$81,293
baseline
▲ 0.50% · 4.625%
HK$85,578
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,586/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,405 · Scale 2, in force from 26 Feb 2026)