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$38,161
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,348
−HK$1,206/mo
Today · 4.125%
HK$40,554
baseline
▲ 0.50% · 4.625%
HK$43,022
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,108/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,454
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,592
−HK$1,155/mo
Today · 4.125%
HK$44,747
baseline
▲ 0.50% · 4.625%
HK$47,106
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,494/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,793
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,218
−HK$1,447/mo
Today · 4.125%
HK$48,665
baseline
▲ 0.50% · 4.625%
HK$51,626
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,330/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,944
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,386/mo
Today · 4.125%
HK$53,697
baseline
▲ 0.50% · 4.625%
HK$56,527
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,394/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,425
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,689/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$60,230
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,435
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,617/mo
Today · 4.125%
HK$62,646
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,292/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,690
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$2,171/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$77,439
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,417
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,466
−HK$2,079/mo
Today · 4.125%
HK$80,545
baseline
▲ 0.50% · 4.625%
HK$84,791
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,090/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,578 · Scale 2, in force from 26 Feb 2026)