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$38,210
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,208/mo
Today · 4.125%
HK$40,606
baseline
▲ 0.50% · 4.625%
HK$43,077
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,212/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,156/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,278
−HK$1,449/mo
Today · 4.125%
HK$48,727
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,454/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,009
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,377
−HK$1,388/mo
Today · 4.125%
HK$53,765
baseline
▲ 0.50% · 4.625%
HK$56,599
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,530/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,494
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,157
−HK$1,691/mo
Today · 4.125%
HK$56,848
baseline
▲ 0.50% · 4.625%
HK$60,307
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,696/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,511
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,107
−HK$1,619/mo
Today · 4.125%
HK$62,726
baseline
▲ 0.50% · 4.625%
HK$66,033
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,452/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,777
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$2,173/mo
Today · 4.125%
HK$73,090
baseline
▲ 0.50% · 4.625%
HK$77,538
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,180/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,514
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,566
−HK$2,082/mo
Today · 4.125%
HK$80,648
baseline
▲ 0.50% · 4.625%
HK$84,899
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,296/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,378 · Scale 2, in force from 26 Feb 2026)