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$38,368
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,213/mo
Today · 4.125%
HK$40,774
baseline
▲ 0.50% · 4.625%
HK$43,255
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,548/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,684
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,828
−HK$1,162/mo
Today · 4.125%
HK$44,990
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,980/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,041
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,455/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,906
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,220
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,594
−HK$1,394/mo
Today · 4.125%
HK$53,988
baseline
▲ 0.50% · 4.625%
HK$56,833
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,976/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,715
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,697/mo
Today · 4.125%
HK$57,083
baseline
▲ 0.50% · 4.625%
HK$60,556
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,166/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,757
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,360
−HK$1,626/mo
Today · 4.125%
HK$62,986
baseline
▲ 0.50% · 4.625%
HK$66,306
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,972/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,062
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,210
−HK$2,183/mo
Today · 4.125%
HK$73,393
baseline
▲ 0.50% · 4.625%
HK$77,858
+HK$4,465/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,786/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,830
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,891
−HK$2,090/mo
Today · 4.125%
HK$80,981
baseline
▲ 0.50% · 4.625%
HK$85,250
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,962/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,976 · Scale 2, in force from 26 Feb 2026)