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$38,164
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,351
−HK$1,206/mo
Today · 4.125%
HK$40,557
baseline
▲ 0.50% · 4.625%
HK$43,025
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,114/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,457
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,596
−HK$1,155/mo
Today · 4.125%
HK$44,751
baseline
▲ 0.50% · 4.625%
HK$47,110
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,502/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,797
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,447/mo
Today · 4.125%
HK$48,669
baseline
▲ 0.50% · 4.625%
HK$51,630
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,338/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,949
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,315
−HK$1,386/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,532
+HK$2,831/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,430
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,688/mo
Today · 4.125%
HK$56,780
baseline
▲ 0.50% · 4.625%
HK$60,235
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,560/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,618/mo
Today · 4.125%
HK$62,652
baseline
▲ 0.50% · 4.625%
HK$65,954
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,304/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,696
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,832
−HK$2,171/mo
Today · 4.125%
HK$73,003
baseline
▲ 0.50% · 4.625%
HK$77,446
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$146,006/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,423
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,473
−HK$2,079/mo
Today · 4.125%
HK$80,552
baseline
▲ 0.50% · 4.625%
HK$84,798
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,104/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,631 · Scale 2, in force from 26 Feb 2026)