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$38,366
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,213/mo
Today · 4.125%
HK$40,772
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,544/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,826
−HK$1,162/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,359
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,039
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,455/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,393/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,712
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,383
−HK$1,697/mo
Today · 4.125%
HK$57,080
baseline
▲ 0.50% · 4.625%
HK$60,554
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,160/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,754
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,357
−HK$1,626/mo
Today · 4.125%
HK$62,983
baseline
▲ 0.50% · 4.625%
HK$66,303
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,966/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,059
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,207
−HK$2,182/mo
Today · 4.125%
HK$73,389
baseline
▲ 0.50% · 4.625%
HK$77,855
+HK$4,466/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,778/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,827
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,887
−HK$2,091/mo
Today · 4.125%
HK$80,978
baseline
▲ 0.50% · 4.625%
HK$85,246
+HK$4,268/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,956/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,947 · Scale 2, in force from 26 Feb 2026)