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$38,291
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,210/mo
Today · 4.125%
HK$40,692
baseline
▲ 0.50% · 4.625%
HK$43,168
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,384/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,741
−HK$1,159/mo
Today · 4.125%
HK$44,900
baseline
▲ 0.50% · 4.625%
HK$47,267
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,800/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,949
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,379
−HK$1,452/mo
Today · 4.125%
HK$48,831
baseline
▲ 0.50% · 4.625%
HK$51,802
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,662/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,118
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,489
−HK$1,391/mo
Today · 4.125%
HK$53,880
baseline
▲ 0.50% · 4.625%
HK$56,720
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,760/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,608
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,275
−HK$1,694/mo
Today · 4.125%
HK$56,969
baseline
▲ 0.50% · 4.625%
HK$60,436
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,938/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,638
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,237
−HK$1,623/mo
Today · 4.125%
HK$62,860
baseline
▲ 0.50% · 4.625%
HK$66,173
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,720/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,924
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,068
−HK$2,178/mo
Today · 4.125%
HK$73,246
baseline
▲ 0.50% · 4.625%
HK$77,703
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,492/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,677
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,734
−HK$2,086/mo
Today · 4.125%
HK$80,820
baseline
▲ 0.50% · 4.625%
HK$85,080
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,640/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,717 · Scale 2, in force from 26 Feb 2026)