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$38,218
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,208/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,157/mo
Today · 4.125%
HK$44,814
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,628/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,288
−HK$1,449/mo
Today · 4.125%
HK$48,737
baseline
▲ 0.50% · 4.625%
HK$51,703
+HK$2,966/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,474/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,020
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,388
−HK$1,389/mo
Today · 4.125%
HK$53,777
baseline
▲ 0.50% · 4.625%
HK$56,611
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,554/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,505
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,169
−HK$1,691/mo
Today · 4.125%
HK$56,860
baseline
▲ 0.50% · 4.625%
HK$60,320
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,720/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,523
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,120
−HK$1,619/mo
Today · 4.125%
HK$62,739
baseline
▲ 0.50% · 4.625%
HK$66,046
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,478/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,932
−HK$2,174/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,530
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,583
−HK$2,082/mo
Today · 4.125%
HK$80,665
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,330/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,510 · Scale 2, in force from 26 Feb 2026)