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$38,314
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,506
−HK$1,211/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$43,194
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,624
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,767
−HK$1,160/mo
Today · 4.125%
HK$44,927
baseline
▲ 0.50% · 4.625%
HK$47,295
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,854/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,977
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,407
−HK$1,453/mo
Today · 4.125%
HK$48,860
baseline
▲ 0.50% · 4.625%
HK$51,833
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,720/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,149
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,391/mo
Today · 4.125%
HK$53,912
baseline
▲ 0.50% · 4.625%
HK$56,754
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,824/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,640
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,696/mo
Today · 4.125%
HK$57,004
baseline
▲ 0.50% · 4.625%
HK$60,472
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,008/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,674
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,274
−HK$1,624/mo
Today · 4.125%
HK$62,898
baseline
▲ 0.50% · 4.625%
HK$66,213
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,796/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,966
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,111
−HK$2,179/mo
Today · 4.125%
HK$73,290
baseline
▲ 0.50% · 4.625%
HK$77,750
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,580/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,723
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,781
−HK$2,088/mo
Today · 4.125%
HK$80,869
baseline
▲ 0.50% · 4.625%
HK$85,131
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,738/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,097 · Scale 2, in force from 26 Feb 2026)