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$38,147
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,333
−HK$1,206/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,438
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,155/mo
Today · 4.125%
HK$44,731
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,462/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,776
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,200
−HK$1,446/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,925
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,291
−HK$1,386/mo
Today · 4.125%
HK$53,677
baseline
▲ 0.50% · 4.625%
HK$56,506
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,354/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,405
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,066
−HK$1,688/mo
Today · 4.125%
HK$56,754
baseline
▲ 0.50% · 4.625%
HK$60,208
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,508/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,413
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,006
−HK$1,617/mo
Today · 4.125%
HK$62,623
baseline
▲ 0.50% · 4.625%
HK$65,924
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,246/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,664
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,800
−HK$2,170/mo
Today · 4.125%
HK$72,970
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,940/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,388
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,437
−HK$2,078/mo
Today · 4.125%
HK$80,515
baseline
▲ 0.50% · 4.625%
HK$84,759
+HK$4,244/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,030/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,341 · Scale 2, in force from 26 Feb 2026)