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$38,245
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,209/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,158/mo
Today · 4.125%
HK$44,846
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,363/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,692/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,451/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,739
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,426
−HK$1,389/mo
Today · 4.125%
HK$53,815
baseline
▲ 0.50% · 4.625%
HK$56,651
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,630/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,543
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,208
−HK$1,692/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$60,362
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,566
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,163
−HK$1,621/mo
Today · 4.125%
HK$62,784
baseline
▲ 0.50% · 4.625%
HK$66,093
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,568/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,840
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,982
−HK$2,175/mo
Today · 4.125%
HK$73,157
baseline
▲ 0.50% · 4.625%
HK$77,609
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,314/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,584
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,638
−HK$2,084/mo
Today · 4.125%
HK$80,722
baseline
▲ 0.50% · 4.625%
HK$84,977
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,444/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,954 · Scale 2, in force from 26 Feb 2026)