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$38,323
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,211/mo
Today · 4.125%
HK$40,726
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,452/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,634
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,777
−HK$1,160/mo
Today · 4.125%
HK$44,937
baseline
▲ 0.50% · 4.625%
HK$47,306
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,874/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,418
−HK$1,453/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,160
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,392/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$56,767
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,652
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,321
−HK$1,695/mo
Today · 4.125%
HK$57,016
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,032/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,687
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,288
−HK$1,624/mo
Today · 4.125%
HK$62,912
baseline
▲ 0.50% · 4.625%
HK$66,228
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,824/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,981
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,127
−HK$2,180/mo
Today · 4.125%
HK$73,307
baseline
▲ 0.50% · 4.625%
HK$77,767
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,614/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,741
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,799
−HK$2,088/mo
Today · 4.125%
HK$80,887
baseline
▲ 0.50% · 4.625%
HK$85,150
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,774/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,237 · Scale 2, in force from 26 Feb 2026)