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$2,394/mo
▼ 0.25% · 3.875%
HK$39,349
−HK$1,206/mo
Today · 4.125%
HK$40,555
baseline
▲ 0.50% · 4.625%
HK$43,022
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,110/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,454
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,155/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,107
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,794
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,218
−HK$1,447/mo
Today · 4.125%
HK$48,665
baseline
▲ 0.50% · 4.625%
HK$51,627
+HK$2,962/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$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,945
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,311
−HK$1,387/mo
Today · 4.125%
HK$53,698
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,396/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,426
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,688/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$60,231
+HK$3,455/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$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,030
−HK$1,617/mo
Today · 4.125%
HK$62,647
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,294/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,691
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,827
−HK$2,171/mo
Today · 4.125%
HK$72,998
baseline
▲ 0.50% · 4.625%
HK$77,440
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,996/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,418
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,467
−HK$2,079/mo
Today · 4.125%
HK$80,546
baseline
▲ 0.50% · 4.625%
HK$84,792
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,092/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,586 · Scale 2, in force from 26 Feb 2026)