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$38,554
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,753
−HK$1,219/mo
Today · 4.125%
HK$40,972
baseline
▲ 0.50% · 4.625%
HK$43,465
+HK$2,493/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,944/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,891
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,041
−HK$1,167/mo
Today · 4.125%
HK$45,208
baseline
▲ 0.50% · 4.625%
HK$47,591
+HK$2,383/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,416/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,265
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,704
−HK$1,462/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$52,157
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,469
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,849
−HK$1,401/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,109
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,975
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,706/mo
Today · 4.125%
HK$57,360
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,490/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,720/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,047
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,633/mo
Today · 4.125%
HK$63,291
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,582/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,397
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,556
−HK$2,193/mo
Today · 4.125%
HK$73,749
baseline
▲ 0.50% · 4.625%
HK$78,236
+HK$4,487/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,498/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,203
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,274
−HK$2,101/mo
Today · 4.125%
HK$81,375
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,289/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,750/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$634,039 · Scale 2, in force from 26 Feb 2026)