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$38,323
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,211/mo
Today · 4.125%
HK$40,727
baseline
▲ 0.50% · 4.625%
HK$43,205
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,454/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,634
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,160/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,988
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,453/mo
Today · 4.125%
HK$48,872
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,744/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,161
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,533
−HK$1,392/mo
Today · 4.125%
HK$53,925
baseline
▲ 0.50% · 4.625%
HK$56,768
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,850/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,695/mo
Today · 4.125%
HK$57,017
baseline
▲ 0.50% · 4.625%
HK$60,487
+HK$3,470/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,034/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,688
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,624/mo
Today · 4.125%
HK$62,913
baseline
▲ 0.50% · 4.625%
HK$66,229
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,826/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,982
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,128
−HK$2,180/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,769
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,742
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,800
−HK$2,088/mo
Today · 4.125%
HK$80,888
baseline
▲ 0.50% · 4.625%
HK$85,152
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,776/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,250 · Scale 2, in force from 26 Feb 2026)