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$38,363
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,212/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,161/mo
Today · 4.125%
HK$44,985
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,970/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,036
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,455/mo
Today · 4.125%
HK$48,923
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,846/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,215
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,588
−HK$1,394/mo
Today · 4.125%
HK$53,982
baseline
▲ 0.50% · 4.625%
HK$56,827
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,964/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,709
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,698/mo
Today · 4.125%
HK$57,077
baseline
▲ 0.50% · 4.625%
HK$60,550
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,154/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,353
−HK$1,626/mo
Today · 4.125%
HK$62,979
baseline
▲ 0.50% · 4.625%
HK$66,298
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,958/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,054
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,202
−HK$2,182/mo
Today · 4.125%
HK$73,384
baseline
▲ 0.50% · 4.625%
HK$77,850
+HK$4,466/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,768/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,822
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,882
−HK$2,090/mo
Today · 4.125%
HK$80,972
baseline
▲ 0.50% · 4.625%
HK$85,241
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,944/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,907 · Scale 2, in force from 26 Feb 2026)