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$38,353
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,212/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$43,238
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,667
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,811
−HK$1,161/mo
Today · 4.125%
HK$44,972
baseline
▲ 0.50% · 4.625%
HK$47,343
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,944/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,455
−HK$1,454/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,885
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,574
−HK$1,393/mo
Today · 4.125%
HK$53,967
baseline
▲ 0.50% · 4.625%
HK$56,811
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,934/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,694
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,697/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,734
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,625/mo
Today · 4.125%
HK$62,961
baseline
▲ 0.50% · 4.625%
HK$66,280
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,922/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,035
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,182
−HK$2,182/mo
Today · 4.125%
HK$73,364
baseline
▲ 0.50% · 4.625%
HK$77,828
+HK$4,464/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,728/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,801
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,860
−HK$2,090/mo
Today · 4.125%
HK$80,950
baseline
▲ 0.50% · 4.625%
HK$85,217
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,900/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,730 · Scale 2, in force from 26 Feb 2026)