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$38,213
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,208/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$43,081
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,157/mo
Today · 4.125%
HK$44,809
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,618/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,283
−HK$1,449/mo
Today · 4.125%
HK$48,732
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,464/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,014
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,383
−HK$1,388/mo
Today · 4.125%
HK$53,771
baseline
▲ 0.50% · 4.625%
HK$56,605
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,542/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,499
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,691/mo
Today · 4.125%
HK$56,854
baseline
▲ 0.50% · 4.625%
HK$60,313
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,708/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,517
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,113
−HK$1,619/mo
Today · 4.125%
HK$62,732
baseline
▲ 0.50% · 4.625%
HK$66,039
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,464/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,784
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,924
−HK$2,174/mo
Today · 4.125%
HK$73,098
baseline
▲ 0.50% · 4.625%
HK$77,545
+HK$4,447/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,196/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,522
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,574
−HK$2,082/mo
Today · 4.125%
HK$80,656
baseline
▲ 0.50% · 4.625%
HK$84,907
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,312/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,440 · Scale 2, in force from 26 Feb 2026)