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$38,144
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,206/mo
Today · 4.125%
HK$40,536
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,466/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,072/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,435
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,573
−HK$1,154/mo
Today · 4.125%
HK$44,727
baseline
▲ 0.50% · 4.625%
HK$47,085
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,454/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,773
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,447/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,287
−HK$1,386/mo
Today · 4.125%
HK$53,673
baseline
▲ 0.50% · 4.625%
HK$56,502
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,346/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,401
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,062
−HK$1,688/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,453/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,408
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,002
−HK$1,616/mo
Today · 4.125%
HK$62,618
baseline
▲ 0.50% · 4.625%
HK$65,919
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,236/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,659
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,795
−HK$2,169/mo
Today · 4.125%
HK$72,964
baseline
▲ 0.50% · 4.625%
HK$77,404
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,382
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,431
−HK$2,078/mo
Today · 4.125%
HK$80,509
baseline
▲ 0.50% · 4.625%
HK$84,753
+HK$4,244/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,018/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,296 · Scale 2, in force from 26 Feb 2026)