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$38,302
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,211/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,611
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,753
−HK$1,160/mo
Today · 4.125%
HK$44,913
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,826/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,962
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,392
−HK$1,453/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,504
−HK$1,391/mo
Today · 4.125%
HK$53,895
baseline
▲ 0.50% · 4.625%
HK$56,736
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,790/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,623
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,694/mo
Today · 4.125%
HK$56,985
baseline
▲ 0.50% · 4.625%
HK$60,453
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,970/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,655
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,255
−HK$1,623/mo
Today · 4.125%
HK$62,878
baseline
▲ 0.50% · 4.625%
HK$66,192
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,756/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,944
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,088
−HK$2,179/mo
Today · 4.125%
HK$73,267
baseline
▲ 0.50% · 4.625%
HK$77,725
+HK$4,458/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,534/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,756
−HK$2,087/mo
Today · 4.125%
HK$80,843
baseline
▲ 0.50% · 4.625%
HK$85,104
+HK$4,261/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,686/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,896 · Scale 2, in force from 26 Feb 2026)