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$38,182
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,370
−HK$1,206/mo
Today · 4.125%
HK$40,576
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,152/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,477
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,156/mo
Today · 4.125%
HK$44,772
baseline
▲ 0.50% · 4.625%
HK$47,132
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,544/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,818
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,244
−HK$1,448/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,972
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,340
−HK$1,386/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,558
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,455
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,117
−HK$1,690/mo
Today · 4.125%
HK$56,807
baseline
▲ 0.50% · 4.625%
HK$60,263
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,614/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,468
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,063
−HK$1,618/mo
Today · 4.125%
HK$62,681
baseline
▲ 0.50% · 4.625%
HK$65,985
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,362/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,728
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$2,172/mo
Today · 4.125%
HK$73,037
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$4,444/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,074/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,459
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,509
−HK$2,081/mo
Today · 4.125%
HK$80,590
baseline
▲ 0.50% · 4.625%
HK$84,837
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,180/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,923 · Scale 2, in force from 26 Feb 2026)