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$38,542
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,218/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,493/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,167/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,251
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,461/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,400/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,959
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,705/mo
Today · 4.125%
HK$57,343
baseline
▲ 0.50% · 4.625%
HK$60,832
+HK$3,489/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,686/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,029
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,639
−HK$1,634/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$66,608
+HK$3,335/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,376
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$2,193/mo
Today · 4.125%
HK$73,727
baseline
▲ 0.50% · 4.625%
HK$78,213
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,454/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,181
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,251
−HK$2,099/mo
Today · 4.125%
HK$81,350
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,288/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,700/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,851 · Scale 2, in force from 26 Feb 2026)