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$38,173
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,361
−HK$1,206/mo
Today · 4.125%
HK$40,567
baseline
▲ 0.50% · 4.625%
HK$43,036
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,134/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,468
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,607
−HK$1,155/mo
Today · 4.125%
HK$44,762
baseline
▲ 0.50% · 4.625%
HK$47,121
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,524/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,808
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,233
−HK$1,448/mo
Today · 4.125%
HK$48,681
baseline
▲ 0.50% · 4.625%
HK$51,643
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,362/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,961
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,328
−HK$1,386/mo
Today · 4.125%
HK$53,714
baseline
▲ 0.50% · 4.625%
HK$56,546
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,428/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,443
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,105
−HK$1,689/mo
Today · 4.125%
HK$56,794
baseline
▲ 0.50% · 4.625%
HK$60,250
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,588/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,455
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,049
−HK$1,618/mo
Today · 4.125%
HK$62,667
baseline
▲ 0.50% · 4.625%
HK$65,970
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,334/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,712
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,850
−HK$2,171/mo
Today · 4.125%
HK$73,021
baseline
▲ 0.50% · 4.625%
HK$77,464
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,042/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,442
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,492
−HK$2,080/mo
Today · 4.125%
HK$80,572
baseline
▲ 0.50% · 4.625%
HK$84,819
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,144/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,783 · Scale 2, in force from 26 Feb 2026)