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$38,229
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,208/mo
Today · 4.125%
HK$40,626
baseline
▲ 0.50% · 4.625%
HK$43,098
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,252/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,529
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,158/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,189
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,874
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,301
−HK$1,450/mo
Today · 4.125%
HK$48,751
baseline
▲ 0.50% · 4.625%
HK$51,717
+HK$2,966/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,502/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,035
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,403
−HK$1,389/mo
Today · 4.125%
HK$53,792
baseline
▲ 0.50% · 4.625%
HK$56,627
+HK$2,835/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,584/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,520
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,185
−HK$1,691/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,540
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,137
−HK$1,620/mo
Today · 4.125%
HK$62,757
baseline
▲ 0.50% · 4.625%
HK$66,065
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,514/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,811
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,952
−HK$2,174/mo
Today · 4.125%
HK$73,126
baseline
▲ 0.50% · 4.625%
HK$77,576
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,252/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,552
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,605
−HK$2,083/mo
Today · 4.125%
HK$80,688
baseline
▲ 0.50% · 4.625%
HK$84,941
+HK$4,253/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,376/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,688 · Scale 2, in force from 26 Feb 2026)