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$38,127
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,205/mo
Today · 4.125%
HK$40,518
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,036/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,416
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,554
−HK$1,154/mo
Today · 4.125%
HK$44,708
baseline
▲ 0.50% · 4.625%
HK$47,064
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,416/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,753
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,176
−HK$1,446/mo
Today · 4.125%
HK$48,622
baseline
▲ 0.50% · 4.625%
HK$51,580
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,244/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,899
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,264
−HK$1,385/mo
Today · 4.125%
HK$53,649
baseline
▲ 0.50% · 4.625%
HK$56,477
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,298/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,038
−HK$1,687/mo
Today · 4.125%
HK$56,725
baseline
▲ 0.50% · 4.625%
HK$60,177
+HK$3,452/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,450/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,383
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,975
−HK$1,616/mo
Today · 4.125%
HK$62,591
baseline
▲ 0.50% · 4.625%
HK$65,890
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,182/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,629
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,764
−HK$2,169/mo
Today · 4.125%
HK$72,933
baseline
▲ 0.50% · 4.625%
HK$77,370
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,866/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,349
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,397
−HK$2,077/mo
Today · 4.125%
HK$80,474
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,948/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,022 · Scale 2, in force from 26 Feb 2026)