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$38,320
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,211/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$43,201
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,774
−HK$1,160/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,303
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,984
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,415
−HK$1,453/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,529
−HK$1,392/mo
Today · 4.125%
HK$53,921
baseline
▲ 0.50% · 4.625%
HK$56,763
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,842/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,648
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,317
−HK$1,695/mo
Today · 4.125%
HK$57,012
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,024/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,683
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,284
−HK$1,624/mo
Today · 4.125%
HK$62,908
baseline
▲ 0.50% · 4.625%
HK$66,224
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,816/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,976
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,122
−HK$2,180/mo
Today · 4.125%
HK$73,302
baseline
▲ 0.50% · 4.625%
HK$77,762
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,604/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,735
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,793
−HK$2,088/mo
Today · 4.125%
HK$80,881
baseline
▲ 0.50% · 4.625%
HK$85,145
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,762/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,195 · Scale 2, in force from 26 Feb 2026)