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$38,136
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,322
−HK$1,205/mo
Today · 4.125%
HK$40,527
baseline
▲ 0.50% · 4.625%
HK$42,993
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,054/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,155/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,075
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,763
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,186
−HK$1,446/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,592
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,264/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,911
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,385/mo
Today · 4.125%
HK$53,661
baseline
▲ 0.50% · 4.625%
HK$56,490
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,322/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,390
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,051
−HK$1,687/mo
Today · 4.125%
HK$56,738
baseline
▲ 0.50% · 4.625%
HK$60,190
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,476/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,396
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,616/mo
Today · 4.125%
HK$62,605
baseline
▲ 0.50% · 4.625%
HK$65,905
+HK$3,300/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,210/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,644
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,779
−HK$2,170/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$77,387
+HK$4,438/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,414
−HK$2,078/mo
Today · 4.125%
HK$80,492
baseline
▲ 0.50% · 4.625%
HK$84,734
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,984/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,160 · Scale 2, in force from 26 Feb 2026)