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$38,296
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,488
−HK$1,210/mo
Today · 4.125%
HK$40,698
baseline
▲ 0.50% · 4.625%
HK$43,174
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,396/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,604
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,747
−HK$1,159/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,273
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,956
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,385
−HK$1,452/mo
Today · 4.125%
HK$48,837
baseline
▲ 0.50% · 4.625%
HK$51,809
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,674/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,125
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,391/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,615
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,283
−HK$1,694/mo
Today · 4.125%
HK$56,977
baseline
▲ 0.50% · 4.625%
HK$60,444
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,954/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,646
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,246
−HK$1,622/mo
Today · 4.125%
HK$62,868
baseline
▲ 0.50% · 4.625%
HK$66,182
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,736/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,933
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$2,178/mo
Today · 4.125%
HK$73,256
baseline
▲ 0.50% · 4.625%
HK$77,713
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,512/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,688
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,744
−HK$2,087/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,092
+HK$4,261/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,803 · Scale 2, in force from 26 Feb 2026)