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$38,209
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,208/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$43,076
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,156/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,449/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,691
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,008
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,388/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$56,598
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,492
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,691/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$60,306
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,510
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,106
−HK$1,619/mo
Today · 4.125%
HK$62,725
baseline
▲ 0.50% · 4.625%
HK$66,031
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,450/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,776
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,915
−HK$2,174/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$77,536
+HK$4,447/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,512
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,564
−HK$2,082/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$84,897
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,364 · Scale 2, in force from 26 Feb 2026)