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$38,311
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,503
−HK$1,211/mo
Today · 4.125%
HK$40,714
baseline
▲ 0.50% · 4.625%
HK$43,191
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,428/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,621
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,764
−HK$1,160/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,292
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,973
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,404
−HK$1,452/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,829
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,145
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,517
−HK$1,391/mo
Today · 4.125%
HK$53,908
baseline
▲ 0.50% · 4.625%
HK$56,750
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,816/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,636
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,695/mo
Today · 4.125%
HK$56,999
baseline
▲ 0.50% · 4.625%
HK$60,467
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,998/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,669
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,270
−HK$1,623/mo
Today · 4.125%
HK$62,893
baseline
▲ 0.50% · 4.625%
HK$66,208
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,786/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,960
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$2,180/mo
Today · 4.125%
HK$73,285
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$4,459/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,570/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,718
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,775
−HK$2,087/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,125
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,049 · Scale 2, in force from 26 Feb 2026)