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$38,153
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,206/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$43,013
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,155/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,784
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,447/mo
Today · 4.125%
HK$48,655
baseline
▲ 0.50% · 4.625%
HK$51,615
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,310/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,934
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,386/mo
Today · 4.125%
HK$53,686
baseline
▲ 0.50% · 4.625%
HK$56,516
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,372/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,415
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,076
−HK$1,688/mo
Today · 4.125%
HK$56,764
baseline
▲ 0.50% · 4.625%
HK$60,218
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,528/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,423
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,017
−HK$1,617/mo
Today · 4.125%
HK$62,634
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,268/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,676
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,812
−HK$2,170/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$77,423
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,401
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,450
−HK$2,079/mo
Today · 4.125%
HK$80,529
baseline
▲ 0.50% · 4.625%
HK$84,774
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,058/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,450 · Scale 2, in force from 26 Feb 2026)