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$38,290
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,481
−HK$1,210/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$43,167
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,159/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,366/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$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,948
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,452/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,801
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,117
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,488
−HK$1,390/mo
Today · 4.125%
HK$53,878
baseline
▲ 0.50% · 4.625%
HK$56,718
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,756/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,606
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,695/mo
Today · 4.125%
HK$56,968
baseline
▲ 0.50% · 4.625%
HK$60,434
+HK$3,466/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$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,636
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,622/mo
Today · 4.125%
HK$62,858
baseline
▲ 0.50% · 4.625%
HK$66,171
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,716/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,922
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,066
−HK$2,178/mo
Today · 4.125%
HK$73,244
baseline
▲ 0.50% · 4.625%
HK$77,701
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,488/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,675
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,087/mo
Today · 4.125%
HK$80,818
baseline
▲ 0.50% · 4.625%
HK$85,078
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,636/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,700 · Scale 2, in force from 26 Feb 2026)