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$38,309
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,501
−HK$1,211/mo
Today · 4.125%
HK$40,712
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,424/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,619
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,762
−HK$1,159/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,971
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,401
−HK$1,453/mo
Today · 4.125%
HK$48,854
baseline
▲ 0.50% · 4.625%
HK$51,827
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,708/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,142
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,514
−HK$1,391/mo
Today · 4.125%
HK$53,905
baseline
▲ 0.50% · 4.625%
HK$56,747
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,810/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,633
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,695/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,624/mo
Today · 4.125%
HK$62,890
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,780/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,957
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,102
−HK$2,179/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$4,459/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,714
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,771
−HK$2,087/mo
Today · 4.125%
HK$80,858
baseline
▲ 0.50% · 4.625%
HK$85,120
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,716/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,016 · Scale 2, in force from 26 Feb 2026)