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$39,433
−HK$1,209/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$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,157/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,208
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,892
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,450/mo
Today · 4.125%
HK$48,770
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,540/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,389/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,541
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,206
−HK$1,693/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$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,564
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,161
−HK$1,621/mo
Today · 4.125%
HK$62,782
baseline
▲ 0.50% · 4.625%
HK$66,091
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,564/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,838
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$2,175/mo
Today · 4.125%
HK$73,155
baseline
▲ 0.50% · 4.625%
HK$77,607
+HK$4,452/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,310/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,582
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,636
−HK$2,084/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$84,974
+HK$4,254/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$628,936 · Scale 2, in force from 26 Feb 2026)