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$38,324
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,211/mo
Today · 4.125%
HK$40,727
baseline
▲ 0.50% · 4.625%
HK$43,205
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,454/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,778
−HK$1,160/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,369/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,989
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,454/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,162
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,392/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$56,769
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,696/mo
Today · 4.125%
HK$57,018
baseline
▲ 0.50% · 4.625%
HK$60,487
+HK$3,469/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,036/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,689
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,290
−HK$1,624/mo
Today · 4.125%
HK$62,914
baseline
▲ 0.50% · 4.625%
HK$66,230
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,828/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,983
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,129
−HK$2,180/mo
Today · 4.125%
HK$73,309
baseline
▲ 0.50% · 4.625%
HK$77,770
+HK$4,461/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,618/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,743
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,801
−HK$2,088/mo
Today · 4.125%
HK$80,889
baseline
▲ 0.50% · 4.625%
HK$85,153
+HK$4,264/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,778/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,257 · Scale 2, in force from 26 Feb 2026)