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$38,239
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,429
−HK$1,208/mo
Today · 4.125%
HK$40,637
baseline
▲ 0.50% · 4.625%
HK$43,110
+HK$2,473/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,274/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,541
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,682
−HK$1,157/mo
Today · 4.125%
HK$44,839
baseline
▲ 0.50% · 4.625%
HK$47,203
+HK$2,364/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,678/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,315
−HK$1,450/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,049
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,418
−HK$1,389/mo
Today · 4.125%
HK$53,807
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,614/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,535
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,200
−HK$1,692/mo
Today · 4.125%
HK$56,892
baseline
▲ 0.50% · 4.625%
HK$60,354
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,784/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,557
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,155
−HK$1,620/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,084
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,972
−HK$2,175/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,598
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,574
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,084/mo
Today · 4.125%
HK$80,711
baseline
▲ 0.50% · 4.625%
HK$84,965
+HK$4,254/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,422/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,867 · Scale 2, in force from 26 Feb 2026)