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$38,238
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,209/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,473/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,680
−HK$1,158/mo
Today · 4.125%
HK$44,838
baseline
▲ 0.50% · 4.625%
HK$47,201
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,676/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,886
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,450/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,389/mo
Today · 4.125%
HK$53,805
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,610/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,533
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,198
−HK$1,692/mo
Today · 4.125%
HK$56,890
baseline
▲ 0.50% · 4.625%
HK$60,352
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,780/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,555
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,152
−HK$1,621/mo
Today · 4.125%
HK$62,773
baseline
▲ 0.50% · 4.625%
HK$66,082
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,546/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,829
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,969
−HK$2,176/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,595
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,571
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,625
−HK$2,083/mo
Today · 4.125%
HK$80,708
baseline
▲ 0.50% · 4.625%
HK$84,962
+HK$4,254/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,416/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,845 · Scale 2, in force from 26 Feb 2026)