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$38,175
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,206/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,155/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,528/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,810
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,448/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,645
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,964
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,387/mo
Today · 4.125%
HK$53,717
baseline
▲ 0.50% · 4.625%
HK$56,549
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,434/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,445
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,108
−HK$1,689/mo
Today · 4.125%
HK$56,797
baseline
▲ 0.50% · 4.625%
HK$60,253
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,594/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,052
−HK$1,618/mo
Today · 4.125%
HK$62,670
baseline
▲ 0.50% · 4.625%
HK$65,973
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,340/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,716
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,853
−HK$2,172/mo
Today · 4.125%
HK$73,025
baseline
▲ 0.50% · 4.625%
HK$77,468
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,050/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,445
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,496
−HK$2,080/mo
Today · 4.125%
HK$80,576
baseline
▲ 0.50% · 4.625%
HK$84,823
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,152/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,814 · Scale 2, in force from 26 Feb 2026)