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$38,311
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,211/mo
Today · 4.125%
HK$40,713
baseline
▲ 0.50% · 4.625%
HK$43,190
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,426/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,763
−HK$1,160/mo
Today · 4.125%
HK$44,923
baseline
▲ 0.50% · 4.625%
HK$47,291
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,846/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,973
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,403
−HK$1,453/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,828
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,144
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,516
−HK$1,391/mo
Today · 4.125%
HK$53,907
baseline
▲ 0.50% · 4.625%
HK$56,749
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,814/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,635
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,303
−HK$1,695/mo
Today · 4.125%
HK$56,998
baseline
▲ 0.50% · 4.625%
HK$60,466
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,996/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,668
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,268
−HK$1,624/mo
Today · 4.125%
HK$62,892
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,784/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,959
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,104
−HK$2,179/mo
Today · 4.125%
HK$73,283
baseline
▲ 0.50% · 4.625%
HK$77,742
+HK$4,459/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,566/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,716
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,774
−HK$2,087/mo
Today · 4.125%
HK$80,861
baseline
▲ 0.50% · 4.625%
HK$85,123
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,722/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,037 · Scale 2, in force from 26 Feb 2026)