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$38,174
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,206/mo
Today · 4.125%
HK$40,568
baseline
▲ 0.50% · 4.625%
HK$43,037
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,136/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,469
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,607
−HK$1,156/mo
Today · 4.125%
HK$44,763
baseline
▲ 0.50% · 4.625%
HK$47,122
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,526/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,809
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,234
−HK$1,448/mo
Today · 4.125%
HK$48,682
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,364/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,387/mo
Today · 4.125%
HK$53,716
baseline
▲ 0.50% · 4.625%
HK$56,547
+HK$2,831/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,432/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,444
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,106
−HK$1,689/mo
Today · 4.125%
HK$56,795
baseline
▲ 0.50% · 4.625%
HK$60,251
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,590/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,456
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,050
−HK$1,618/mo
Today · 4.125%
HK$62,668
baseline
▲ 0.50% · 4.625%
HK$65,971
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,336/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,714
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,851
−HK$2,172/mo
Today · 4.125%
HK$73,023
baseline
▲ 0.50% · 4.625%
HK$77,466
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,046/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,443
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,493
−HK$2,080/mo
Today · 4.125%
HK$80,573
baseline
▲ 0.50% · 4.625%
HK$84,820
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,146/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,796 · Scale 2, in force from 26 Feb 2026)