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$38,192
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,380
−HK$1,207/mo
Today · 4.125%
HK$40,587
baseline
▲ 0.50% · 4.625%
HK$43,057
+HK$2,470/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,174/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,628
−HK$1,156/mo
Today · 4.125%
HK$44,784
baseline
▲ 0.50% · 4.625%
HK$47,145
+HK$2,361/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,568/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,831
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,256
−HK$1,449/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,963/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,986
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,387/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$56,574
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,469
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,690/mo
Today · 4.125%
HK$56,822
baseline
▲ 0.50% · 4.625%
HK$60,280
+HK$3,458/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,644/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,484
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,079
−HK$1,619/mo
Today · 4.125%
HK$62,698
baseline
▲ 0.50% · 4.625%
HK$66,003
+HK$3,305/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,396/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,746
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,884
−HK$2,173/mo
Today · 4.125%
HK$73,057
baseline
▲ 0.50% · 4.625%
HK$77,502
+HK$4,445/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,114/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,479
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,530
−HK$2,081/mo
Today · 4.125%
HK$80,611
baseline
▲ 0.50% · 4.625%
HK$84,860
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,222/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,092 · Scale 2, in force from 26 Feb 2026)