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$38,244
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,209/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,473/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,157/mo
Today · 4.125%
HK$44,845
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,690/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,450/mo
Today · 4.125%
HK$48,771
baseline
▲ 0.50% · 4.625%
HK$51,739
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,542/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,425
−HK$1,389/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$56,651
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,208
−HK$1,692/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$60,362
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,163
−HK$1,620/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,093
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,840
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,981
−HK$2,176/mo
Today · 4.125%
HK$73,157
baseline
▲ 0.50% · 4.625%
HK$77,608
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,314/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,584
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,638
−HK$2,083/mo
Today · 4.125%
HK$80,721
baseline
▲ 0.50% · 4.625%
HK$84,976
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,442/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,949 · Scale 2, in force from 26 Feb 2026)