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$38,529
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,727
−HK$1,218/mo
Today · 4.125%
HK$40,945
baseline
▲ 0.50% · 4.625%
HK$43,436
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,890/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,863
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,012
−HK$1,167/mo
Today · 4.125%
HK$45,179
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,358/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,235
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,673
−HK$1,461/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$52,124
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,268/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,436
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,815
−HK$1,399/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,940
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,618
−HK$1,705/mo
Today · 4.125%
HK$57,323
baseline
▲ 0.50% · 4.625%
HK$60,811
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,646/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,008
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,617
−HK$1,633/mo
Today · 4.125%
HK$63,250
baseline
▲ 0.50% · 4.625%
HK$66,584
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,500/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,352
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,509
−HK$2,192/mo
Today · 4.125%
HK$73,701
baseline
▲ 0.50% · 4.625%
HK$78,185
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,402/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,153
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,100/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,286/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,627 · Scale 2, in force from 26 Feb 2026)