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$38,309
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,211/mo
Today · 4.125%
HK$40,711
baseline
▲ 0.50% · 4.625%
HK$43,188
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,422/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,618
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,761
−HK$1,160/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,971
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,401
−HK$1,452/mo
Today · 4.125%
HK$48,853
baseline
▲ 0.50% · 4.625%
HK$51,826
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,706/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,142
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,513
−HK$1,392/mo
Today · 4.125%
HK$53,905
baseline
▲ 0.50% · 4.625%
HK$56,746
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,810/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,632
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,695/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,665
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,623/mo
Today · 4.125%
HK$62,889
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,778/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$2,179/mo
Today · 4.125%
HK$73,280
baseline
▲ 0.50% · 4.625%
HK$77,739
+HK$4,459/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,560/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,713
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,770
−HK$2,087/mo
Today · 4.125%
HK$80,857
baseline
▲ 0.50% · 4.625%
HK$85,119
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,714/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,009 · Scale 2, in force from 26 Feb 2026)