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$38,312
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,211/mo
Today · 4.125%
HK$40,715
baseline
▲ 0.50% · 4.625%
HK$43,192
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,430/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,622
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,765
−HK$1,160/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,975
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,405
−HK$1,453/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,146
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,518
−HK$1,392/mo
Today · 4.125%
HK$53,910
baseline
▲ 0.50% · 4.625%
HK$56,751
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,820/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,637
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,696/mo
Today · 4.125%
HK$57,001
baseline
▲ 0.50% · 4.625%
HK$60,469
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,002/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,671
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,271
−HK$1,624/mo
Today · 4.125%
HK$62,895
baseline
▲ 0.50% · 4.625%
HK$66,210
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,790/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,962
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,107
−HK$2,179/mo
Today · 4.125%
HK$73,286
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,572/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,719
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,777
−HK$2,087/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,127
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,064 · Scale 2, in force from 26 Feb 2026)