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$38,338
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,531
−HK$1,211/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,651
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,795
−HK$1,160/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,325
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,006
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,437
−HK$1,454/mo
Today · 4.125%
HK$48,891
baseline
▲ 0.50% · 4.625%
HK$51,866
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,782/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,181
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,554
−HK$1,392/mo
Today · 4.125%
HK$53,946
baseline
▲ 0.50% · 4.625%
HK$56,790
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,892/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,674
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,696/mo
Today · 4.125%
HK$57,039
baseline
▲ 0.50% · 4.625%
HK$60,510
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,078/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,711
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,313
−HK$1,624/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,255
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,009
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,156
−HK$2,180/mo
Today · 4.125%
HK$73,336
baseline
▲ 0.50% · 4.625%
HK$77,799
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,672/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,772
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,831
−HK$2,089/mo
Today · 4.125%
HK$80,920
baseline
▲ 0.50% · 4.625%
HK$85,185
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,840/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,494 · Scale 2, in force from 26 Feb 2026)