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$38,217
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,208/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$43,085
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,516
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,157/mo
Today · 4.125%
HK$44,813
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,626/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,449/mo
Today · 4.125%
HK$48,736
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,966/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,472/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,019
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,388
−HK$1,388/mo
Today · 4.125%
HK$53,776
baseline
▲ 0.50% · 4.625%
HK$56,610
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,552/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,504
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,168
−HK$1,691/mo
Today · 4.125%
HK$56,859
baseline
▲ 0.50% · 4.625%
HK$60,319
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,718/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,523
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,119
−HK$1,619/mo
Today · 4.125%
HK$62,738
baseline
▲ 0.50% · 4.625%
HK$66,045
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,476/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,791
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,931
−HK$2,174/mo
Today · 4.125%
HK$73,105
baseline
▲ 0.50% · 4.625%
HK$77,553
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,210/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,529
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,582
−HK$2,082/mo
Today · 4.125%
HK$80,664
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,328/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,501 · Scale 2, in force from 26 Feb 2026)