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$38,328
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,211/mo
Today · 4.125%
HK$40,732
baseline
▲ 0.50% · 4.625%
HK$43,210
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,464/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,640
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,161/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$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,994
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,453/mo
Today · 4.125%
HK$48,878
baseline
▲ 0.50% · 4.625%
HK$51,852
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,756/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,168
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,540
−HK$1,392/mo
Today · 4.125%
HK$53,932
baseline
▲ 0.50% · 4.625%
HK$56,775
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,864/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,660
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,329
−HK$1,696/mo
Today · 4.125%
HK$57,025
baseline
▲ 0.50% · 4.625%
HK$60,494
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,050/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,696
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,624/mo
Today · 4.125%
HK$62,921
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,842/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,991
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$2,180/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,088/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,796/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,330 · Scale 2, in force from 26 Feb 2026)