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$38,362
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,213/mo
Today · 4.125%
HK$40,768
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,536/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,161/mo
Today · 4.125%
HK$44,983
baseline
▲ 0.50% · 4.625%
HK$47,354
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,966/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,466
−HK$1,455/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,898
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,213
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,394/mo
Today · 4.125%
HK$53,980
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,960/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,707
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,377
−HK$1,698/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,351
−HK$1,625/mo
Today · 4.125%
HK$62,976
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,952/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,052
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,200
−HK$2,182/mo
Today · 4.125%
HK$73,382
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$4,465/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,764/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,819
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,880
−HK$2,090/mo
Today · 4.125%
HK$80,970
baseline
▲ 0.50% · 4.625%
HK$85,238
+HK$4,268/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,940/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,885 · Scale 2, in force from 26 Feb 2026)