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$38,219
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,408
−HK$1,208/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$43,087
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,157/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,178
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,449/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,966/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,022
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,391
−HK$1,388/mo
Today · 4.125%
HK$53,779
baseline
▲ 0.50% · 4.625%
HK$56,613
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,558/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,507
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,171
−HK$1,691/mo
Today · 4.125%
HK$56,862
baseline
▲ 0.50% · 4.625%
HK$60,322
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,724/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,526
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,122
−HK$1,620/mo
Today · 4.125%
HK$62,742
baseline
▲ 0.50% · 4.625%
HK$66,049
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,484/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,934
−HK$2,175/mo
Today · 4.125%
HK$73,109
baseline
▲ 0.50% · 4.625%
HK$77,557
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,218/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,533
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,586
−HK$2,082/mo
Today · 4.125%
HK$80,668
baseline
▲ 0.50% · 4.625%
HK$84,920
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,336/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,535 · Scale 2, in force from 26 Feb 2026)