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$38,305
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,210/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,159/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,284
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,396
−HK$1,453/mo
Today · 4.125%
HK$48,849
baseline
▲ 0.50% · 4.625%
HK$51,821
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,698/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,137
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,508
−HK$1,392/mo
Today · 4.125%
HK$53,900
baseline
▲ 0.50% · 4.625%
HK$56,741
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,800/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,627
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,295
−HK$1,695/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$60,458
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,660
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,623/mo
Today · 4.125%
HK$62,883
baseline
▲ 0.50% · 4.625%
HK$66,198
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,766/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,949
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,094
−HK$2,179/mo
Today · 4.125%
HK$73,273
baseline
▲ 0.50% · 4.625%
HK$77,731
+HK$4,458/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,546/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,087/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,111
+HK$4,261/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,948 · Scale 2, in force from 26 Feb 2026)