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$38,298
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,490
−HK$1,210/mo
Today · 4.125%
HK$40,700
baseline
▲ 0.50% · 4.625%
HK$43,177
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,400/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,607
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,749
−HK$1,159/mo
Today · 4.125%
HK$44,908
baseline
▲ 0.50% · 4.625%
HK$47,276
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,816/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,452/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,128
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,499
−HK$1,391/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$56,731
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,286
−HK$1,694/mo
Today · 4.125%
HK$56,980
baseline
▲ 0.50% · 4.625%
HK$60,447
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,960/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,649
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,249
−HK$1,623/mo
Today · 4.125%
HK$62,872
baseline
▲ 0.50% · 4.625%
HK$66,186
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,744/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$2,179/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$4,458/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,692
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,086/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,096
+HK$4,261/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,838 · Scale 2, in force from 26 Feb 2026)