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$38,200
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,207/mo
Today · 4.125%
HK$40,595
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,190/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,497
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,637
−HK$1,156/mo
Today · 4.125%
HK$44,793
baseline
▲ 0.50% · 4.625%
HK$47,154
+HK$2,361/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,586/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,840
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,449/mo
Today · 4.125%
HK$48,715
baseline
▲ 0.50% · 4.625%
HK$51,679
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,430/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,997
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,364
−HK$1,388/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$56,585
+HK$2,833/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,480
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,144
−HK$1,690/mo
Today · 4.125%
HK$56,834
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,458/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,668/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,496
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,092
−HK$1,618/mo
Today · 4.125%
HK$62,710
baseline
▲ 0.50% · 4.625%
HK$66,016
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,420/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,760
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$2,173/mo
Today · 4.125%
HK$73,072
baseline
▲ 0.50% · 4.625%
HK$77,518
+HK$4,446/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,144/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,082/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$84,878
+HK$4,250/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,219 · Scale 2, in force from 26 Feb 2026)