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$38,343
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,536
−HK$1,212/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$43,227
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,160/mo
Today · 4.125%
HK$44,961
baseline
▲ 0.50% · 4.625%
HK$47,331
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,922/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,012
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,454/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,188
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,561
−HK$1,392/mo
Today · 4.125%
HK$53,953
baseline
▲ 0.50% · 4.625%
HK$56,797
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,906/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,681
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,350
−HK$1,697/mo
Today · 4.125%
HK$57,047
baseline
▲ 0.50% · 4.625%
HK$60,518
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,094/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,719
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,321
−HK$1,625/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,165
−HK$2,181/mo
Today · 4.125%
HK$73,346
baseline
▲ 0.50% · 4.625%
HK$77,809
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,692/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,782
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,841
−HK$2,089/mo
Today · 4.125%
HK$80,930
baseline
▲ 0.50% · 4.625%
HK$85,196
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,860/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,577 · Scale 2, in force from 26 Feb 2026)