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$38,291
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,210/mo
Today · 4.125%
HK$40,692
baseline
▲ 0.50% · 4.625%
HK$43,168
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,384/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,159/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,266
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,798/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,949
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,378
−HK$1,452/mo
Today · 4.125%
HK$48,830
baseline
▲ 0.50% · 4.625%
HK$51,801
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,660/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,117
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,488
−HK$1,391/mo
Today · 4.125%
HK$53,879
baseline
▲ 0.50% · 4.625%
HK$56,719
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,758/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,607
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,274
−HK$1,694/mo
Today · 4.125%
HK$56,968
baseline
▲ 0.50% · 4.625%
HK$60,435
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,936/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,637
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,623/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,172
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,923
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,067
−HK$2,178/mo
Today · 4.125%
HK$73,245
baseline
▲ 0.50% · 4.625%
HK$77,702
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,490/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,676
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,733
−HK$2,086/mo
Today · 4.125%
HK$80,819
baseline
▲ 0.50% · 4.625%
HK$85,079
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,638/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,708 · Scale 2, in force from 26 Feb 2026)