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$38,142
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,206/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,432
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,570
−HK$1,155/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,770
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,446/mo
Today · 4.125%
HK$48,640
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,280/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,284
−HK$1,386/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,499
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,398
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,059
−HK$1,688/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,453/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,405
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$60,998
−HK$1,617/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$65,915
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,791
−HK$2,169/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$77,400
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,378
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,078/mo
Today · 4.125%
HK$80,505
baseline
▲ 0.50% · 4.625%
HK$84,748
+HK$4,243/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$161,010/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,262 · Scale 2, in force from 26 Feb 2026)