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$38,356
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,212/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$43,241
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,671
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,815
−HK$1,161/mo
Today · 4.125%
HK$44,976
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,952/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,027
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,459
−HK$1,454/mo
Today · 4.125%
HK$48,913
baseline
▲ 0.50% · 4.625%
HK$51,890
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,826/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,205
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,578
−HK$1,393/mo
Today · 4.125%
HK$53,971
baseline
▲ 0.50% · 4.625%
HK$56,816
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,942/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,698
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,697/mo
Today · 4.125%
HK$57,066
baseline
▲ 0.50% · 4.625%
HK$60,538
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,132/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,739
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,341
−HK$1,625/mo
Today · 4.125%
HK$62,966
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,932/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,041
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,188
−HK$2,182/mo
Today · 4.125%
HK$73,370
baseline
▲ 0.50% · 4.625%
HK$77,834
+HK$4,464/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,740/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,807
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,867
−HK$2,090/mo
Today · 4.125%
HK$80,957
baseline
▲ 0.50% · 4.625%
HK$85,224
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,914/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,783 · Scale 2, in force from 26 Feb 2026)