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$38,326
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,518
−HK$1,211/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,637
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,161/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,309
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,991
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,454/mo
Today · 4.125%
HK$48,875
baseline
▲ 0.50% · 4.625%
HK$51,849
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,750/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,537
−HK$1,392/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$56,771
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,656
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,696/mo
Today · 4.125%
HK$57,021
baseline
▲ 0.50% · 4.625%
HK$60,490
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,042/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,692
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,293
−HK$1,624/mo
Today · 4.125%
HK$62,917
baseline
▲ 0.50% · 4.625%
HK$66,233
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,834/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,986
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,132
−HK$2,180/mo
Today · 4.125%
HK$73,312
baseline
▲ 0.50% · 4.625%
HK$77,773
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,624/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,747
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,805
−HK$2,088/mo
Today · 4.125%
HK$80,893
baseline
▲ 0.50% · 4.625%
HK$85,157
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,786/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,287 · Scale 2, in force from 26 Feb 2026)