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$38,223
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,208/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,156/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,183
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,868
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,295
−HK$1,449/mo
Today · 4.125%
HK$48,744
baseline
▲ 0.50% · 4.625%
HK$51,710
+HK$2,966/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,488/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,028
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,396
−HK$1,389/mo
Today · 4.125%
HK$53,785
baseline
▲ 0.50% · 4.625%
HK$56,620
+HK$2,835/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,570/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,513
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,177
−HK$1,691/mo
Today · 4.125%
HK$56,868
baseline
▲ 0.50% · 4.625%
HK$60,329
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,736/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,532
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,129
−HK$1,620/mo
Today · 4.125%
HK$62,749
baseline
▲ 0.50% · 4.625%
HK$66,056
+HK$3,307/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,498/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,802
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,942
−HK$2,174/mo
Today · 4.125%
HK$73,116
baseline
▲ 0.50% · 4.625%
HK$77,565
+HK$4,449/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,232/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,542
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,594
−HK$2,083/mo
Today · 4.125%
HK$80,677
baseline
▲ 0.50% · 4.625%
HK$84,929
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,354/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,603 · Scale 2, in force from 26 Feb 2026)