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$38,316
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,211/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$43,197
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,627
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,770
−HK$1,160/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,298
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,980
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,410
−HK$1,453/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,836
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,152
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,524
−HK$1,391/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,643
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,312
−HK$1,695/mo
Today · 4.125%
HK$57,007
baseline
▲ 0.50% · 4.625%
HK$60,476
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,014/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,278
−HK$1,623/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,217
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,969
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,115
−HK$2,179/mo
Today · 4.125%
HK$73,294
baseline
▲ 0.50% · 4.625%
HK$77,754
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,588/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,728
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,786
−HK$2,087/mo
Today · 4.125%
HK$80,873
baseline
▲ 0.50% · 4.625%
HK$85,136
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,746/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,133 · Scale 2, in force from 26 Feb 2026)