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$38,204
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,393
−HK$1,207/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,642
−HK$1,156/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,845
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,271
−HK$1,449/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,002
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,388/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,486
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,690/mo
Today · 4.125%
HK$56,840
baseline
▲ 0.50% · 4.625%
HK$60,299
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,680/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,503
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,619/mo
Today · 4.125%
HK$62,718
baseline
▲ 0.50% · 4.625%
HK$66,024
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,436/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,768
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,907
−HK$2,173/mo
Today · 4.125%
HK$73,080
baseline
▲ 0.50% · 4.625%
HK$77,527
+HK$4,447/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,160/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,504
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,555
−HK$2,082/mo
Today · 4.125%
HK$80,637
baseline
▲ 0.50% · 4.625%
HK$84,887
+HK$4,250/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,274/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,292 · Scale 2, in force from 26 Feb 2026)