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$38,359
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,213/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,031
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,463
−HK$1,454/mo
Today · 4.125%
HK$48,917
baseline
▲ 0.50% · 4.625%
HK$51,894
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,834/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,209
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,394/mo
Today · 4.125%
HK$53,976
baseline
▲ 0.50% · 4.625%
HK$56,821
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,952/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,373
−HK$1,697/mo
Today · 4.125%
HK$57,070
baseline
▲ 0.50% · 4.625%
HK$60,543
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,140/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,744
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,346
−HK$1,626/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,291
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,046
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,194
−HK$2,182/mo
Today · 4.125%
HK$73,376
baseline
▲ 0.50% · 4.625%
HK$77,841
+HK$4,465/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,752/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,813
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,874
−HK$2,089/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,231
+HK$4,268/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,836 · Scale 2, in force from 26 Feb 2026)