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$38,316
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,210/mo
Today · 4.125%
HK$40,718
baseline
▲ 0.50% · 4.625%
HK$43,196
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,436/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,626
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,769
−HK$1,160/mo
Today · 4.125%
HK$44,929
baseline
▲ 0.50% · 4.625%
HK$47,297
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,858/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,453/mo
Today · 4.125%
HK$48,862
baseline
▲ 0.50% · 4.625%
HK$51,835
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,724/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,151
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,523
−HK$1,392/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$56,756
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,642
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,311
−HK$1,695/mo
Today · 4.125%
HK$57,006
baseline
▲ 0.50% · 4.625%
HK$60,474
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,012/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,676
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,623/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,216
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,968
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,114
−HK$2,179/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,753
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,726
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,784
−HK$2,088/mo
Today · 4.125%
HK$80,872
baseline
▲ 0.50% · 4.625%
HK$85,135
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,744/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,122 · Scale 2, in force from 26 Feb 2026)