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$38,165
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,353
−HK$1,206/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$43,027
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,459
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,597
−HK$1,156/mo
Today · 4.125%
HK$44,753
baseline
▲ 0.50% · 4.625%
HK$47,112
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,506/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,223
−HK$1,447/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,632
+HK$2,962/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,317
−HK$1,386/mo
Today · 4.125%
HK$53,703
baseline
▲ 0.50% · 4.625%
HK$56,534
+HK$2,831/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,406/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,432
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,094
−HK$1,688/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,036
−HK$1,618/mo
Today · 4.125%
HK$62,654
baseline
▲ 0.50% · 4.625%
HK$65,956
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,308/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,835
−HK$2,171/mo
Today · 4.125%
HK$73,006
baseline
▲ 0.50% · 4.625%
HK$77,448
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$146,012/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,426
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,475
−HK$2,080/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$84,801
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,650 · Scale 2, in force from 26 Feb 2026)