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$38,244
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,208/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$43,115
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,158/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,451/mo
Today · 4.125%
HK$48,771
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,542/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,425
−HK$1,389/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,207
−HK$1,692/mo
Today · 4.125%
HK$56,899
baseline
▲ 0.50% · 4.625%
HK$60,361
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,798/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,621/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,092
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,981
−HK$2,175/mo
Today · 4.125%
HK$73,156
baseline
▲ 0.50% · 4.625%
HK$77,607
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,312/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,583
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,637
−HK$2,083/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$84,975
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,943 · Scale 2, in force from 26 Feb 2026)