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$38,232
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,421
−HK$1,208/mo
Today · 4.125%
HK$40,629
baseline
▲ 0.50% · 4.625%
HK$43,102
+HK$2,473/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,258/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,533
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,673
−HK$1,158/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,878
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,305
−HK$1,450/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,722
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,408
−HK$1,389/mo
Today · 4.125%
HK$53,797
baseline
▲ 0.50% · 4.625%
HK$56,632
+HK$2,835/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,594/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,525
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,190
−HK$1,691/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$60,342
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,546
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,143
−HK$1,620/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,071
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,818
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,958
−HK$2,175/mo
Today · 4.125%
HK$73,133
baseline
▲ 0.50% · 4.625%
HK$77,583
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,266/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,559
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,612
−HK$2,083/mo
Today · 4.125%
HK$80,695
baseline
▲ 0.50% · 4.625%
HK$84,949
+HK$4,254/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,390/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,745 · Scale 2, in force from 26 Feb 2026)