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$38,145
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,331
−HK$1,206/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$43,003
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,436
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,574
−HK$1,154/mo
Today · 4.125%
HK$44,728
baseline
▲ 0.50% · 4.625%
HK$47,086
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,456/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,774
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,198
−HK$1,446/mo
Today · 4.125%
HK$48,644
baseline
▲ 0.50% · 4.625%
HK$51,604
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,288/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,923
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,289
−HK$1,385/mo
Today · 4.125%
HK$53,674
baseline
▲ 0.50% · 4.625%
HK$56,503
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,348/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,403
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,064
−HK$1,688/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$60,205
+HK$3,453/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,410
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,617/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$65,921
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,661
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,796
−HK$2,170/mo
Today · 4.125%
HK$72,966
baseline
▲ 0.50% · 4.625%
HK$77,406
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,932/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,384
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,433
−HK$2,078/mo
Today · 4.125%
HK$80,511
baseline
▲ 0.50% · 4.625%
HK$84,755
+HK$4,244/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,022/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,312 · Scale 2, in force from 26 Feb 2026)