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$38,295
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,486
−HK$1,211/mo
Today · 4.125%
HK$40,697
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,394/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,603
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,746
−HK$1,159/mo
Today · 4.125%
HK$44,905
baseline
▲ 0.50% · 4.625%
HK$47,272
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,810/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,954
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,384
−HK$1,452/mo
Today · 4.125%
HK$48,836
baseline
▲ 0.50% · 4.625%
HK$51,808
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,672/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,124
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,495
−HK$1,391/mo
Today · 4.125%
HK$53,886
baseline
▲ 0.50% · 4.625%
HK$56,726
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,772/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,613
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,281
−HK$1,694/mo
Today · 4.125%
HK$56,975
baseline
▲ 0.50% · 4.625%
HK$60,442
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,950/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,244
−HK$1,623/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,181
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,734/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,932
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,076
−HK$2,178/mo
Today · 4.125%
HK$73,254
baseline
▲ 0.50% · 4.625%
HK$77,711
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,508/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,686
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,742
−HK$2,087/mo
Today · 4.125%
HK$80,829
baseline
▲ 0.50% · 4.625%
HK$85,089
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,658/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,786 · Scale 2, in force from 26 Feb 2026)