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$38,193
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,207/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$43,058
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,490
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,156/mo
Today · 4.125%
HK$44,785
baseline
▲ 0.50% · 4.625%
HK$47,146
+HK$2,361/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,570/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,832
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,448/mo
Today · 4.125%
HK$48,706
baseline
▲ 0.50% · 4.625%
HK$51,670
+HK$2,964/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,412/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,988
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,388/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$56,575
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,690/mo
Today · 4.125%
HK$56,824
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,458/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,648/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,486
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,081
−HK$1,619/mo
Today · 4.125%
HK$62,700
baseline
▲ 0.50% · 4.625%
HK$66,005
+HK$3,305/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,400/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,748
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,887
−HK$2,172/mo
Today · 4.125%
HK$73,059
baseline
▲ 0.50% · 4.625%
HK$77,505
+HK$4,446/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,118/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,482
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,533
−HK$2,081/mo
Today · 4.125%
HK$80,614
baseline
▲ 0.50% · 4.625%
HK$84,863
+HK$4,249/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,228/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,112 · Scale 2, in force from 26 Feb 2026)