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$38,329
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,212/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$43,211
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,641
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,784
−HK$1,160/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,313
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,995
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,454/mo
Today · 4.125%
HK$48,879
baseline
▲ 0.50% · 4.625%
HK$51,853
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,758/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,169
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,541
−HK$1,392/mo
Today · 4.125%
HK$53,933
baseline
▲ 0.50% · 4.625%
HK$56,776
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,866/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,661
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,330
−HK$1,696/mo
Today · 4.125%
HK$57,026
baseline
▲ 0.50% · 4.625%
HK$60,495
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,052/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,697
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,298
−HK$1,624/mo
Today · 4.125%
HK$62,922
baseline
▲ 0.50% · 4.625%
HK$66,239
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,844/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,992
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,138
−HK$2,181/mo
Today · 4.125%
HK$73,319
baseline
▲ 0.50% · 4.625%
HK$77,780
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,638/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,753
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,812
−HK$2,088/mo
Today · 4.125%
HK$80,900
baseline
▲ 0.50% · 4.625%
HK$85,164
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,800/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,340 · Scale 2, in force from 26 Feb 2026)