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$38,533
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,218/mo
Today · 4.125%
HK$40,950
baseline
▲ 0.50% · 4.625%
HK$43,441
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,900/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,868
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,166/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,566
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,240
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,678
−HK$1,462/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$52,130
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,442
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,400/mo
Today · 4.125%
HK$54,221
baseline
▲ 0.50% · 4.625%
HK$57,079
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,442/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,947
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,625
−HK$1,705/mo
Today · 4.125%
HK$57,330
baseline
▲ 0.50% · 4.625%
HK$60,818
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,660/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,015
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,625
−HK$1,633/mo
Today · 4.125%
HK$63,258
baseline
▲ 0.50% · 4.625%
HK$66,592
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,516/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,360
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,517
−HK$2,192/mo
Today · 4.125%
HK$73,709
baseline
▲ 0.50% · 4.625%
HK$78,195
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,418/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,162
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,232
−HK$2,099/mo
Today · 4.125%
HK$81,331
baseline
▲ 0.50% · 4.625%
HK$85,618
+HK$4,287/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,662/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,701 · Scale 2, in force from 26 Feb 2026)