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$38,229
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,208/mo
Today · 4.125%
HK$40,627
baseline
▲ 0.50% · 4.625%
HK$43,099
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,254/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,158/mo
Today · 4.125%
HK$44,828
baseline
▲ 0.50% · 4.625%
HK$47,190
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,656/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,450/mo
Today · 4.125%
HK$48,752
baseline
▲ 0.50% · 4.625%
HK$51,718
+HK$2,966/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,504/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,036
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,405
−HK$1,388/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$56,629
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,521
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,691/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$60,338
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,542
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,139
−HK$1,620/mo
Today · 4.125%
HK$62,759
baseline
▲ 0.50% · 4.625%
HK$66,067
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,518/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,813
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,953
−HK$2,175/mo
Today · 4.125%
HK$73,128
baseline
▲ 0.50% · 4.625%
HK$77,578
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,256/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,554
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,607
−HK$2,083/mo
Today · 4.125%
HK$80,690
baseline
▲ 0.50% · 4.625%
HK$84,943
+HK$4,253/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,380/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,702 · Scale 2, in force from 26 Feb 2026)