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$38,293
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,211/mo
Today · 4.125%
HK$40,695
baseline
▲ 0.50% · 4.625%
HK$43,171
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,390/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,601
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,159/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,952
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,381
−HK$1,453/mo
Today · 4.125%
HK$48,834
baseline
▲ 0.50% · 4.625%
HK$51,805
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,668/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,121
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,492
−HK$1,391/mo
Today · 4.125%
HK$53,883
baseline
▲ 0.50% · 4.625%
HK$56,723
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,766/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,611
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,278
−HK$1,694/mo
Today · 4.125%
HK$56,972
baseline
▲ 0.50% · 4.625%
HK$60,439
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,944/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,641
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,622/mo
Today · 4.125%
HK$62,863
baseline
▲ 0.50% · 4.625%
HK$66,177
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,726/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,928
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,072
−HK$2,178/mo
Today · 4.125%
HK$73,250
baseline
▲ 0.50% · 4.625%
HK$77,707
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,500/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,682
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,738
−HK$2,086/mo
Today · 4.125%
HK$80,824
baseline
▲ 0.50% · 4.625%
HK$85,085
+HK$4,261/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,648/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,753 · Scale 2, in force from 26 Feb 2026)