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$38,321
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,513
−HK$1,212/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$43,203
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,632
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,776
−HK$1,159/mo
Today · 4.125%
HK$44,935
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,870/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,986
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,416
−HK$1,453/mo
Today · 4.125%
HK$48,869
baseline
▲ 0.50% · 4.625%
HK$51,843
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,738/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,159
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,531
−HK$1,392/mo
Today · 4.125%
HK$53,923
baseline
▲ 0.50% · 4.625%
HK$56,765
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,846/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,650
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,319
−HK$1,695/mo
Today · 4.125%
HK$57,014
baseline
▲ 0.50% · 4.625%
HK$60,484
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,028/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,685
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,624/mo
Today · 4.125%
HK$62,910
baseline
▲ 0.50% · 4.625%
HK$66,226
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,820/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,979
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,124
−HK$2,180/mo
Today · 4.125%
HK$73,304
baseline
▲ 0.50% · 4.625%
HK$77,765
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,608/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,738
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,796
−HK$2,088/mo
Today · 4.125%
HK$80,884
baseline
▲ 0.50% · 4.625%
HK$85,147
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,768/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,216 · Scale 2, in force from 26 Feb 2026)