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$38,358
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,551
−HK$1,213/mo
Today · 4.125%
HK$40,764
baseline
▲ 0.50% · 4.625%
HK$43,244
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,528/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,673
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,818
−HK$1,161/mo
Today · 4.125%
HK$44,979
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,958/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,454/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,893
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,208
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,393/mo
Today · 4.125%
HK$53,974
baseline
▲ 0.50% · 4.625%
HK$56,820
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,948/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,702
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,372
−HK$1,697/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,542
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,742
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,625/mo
Today · 4.125%
HK$62,970
baseline
▲ 0.50% · 4.625%
HK$66,289
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,940/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,045
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,193
−HK$2,182/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$4,464/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,812
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,872
−HK$2,090/mo
Today · 4.125%
HK$80,962
baseline
▲ 0.50% · 4.625%
HK$85,229
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,924/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,822 · Scale 2, in force from 26 Feb 2026)