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$38,334
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,211/mo
Today · 4.125%
HK$40,738
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,476/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,790
−HK$1,161/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,320
+HK$2,369/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,454/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,860
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,548
−HK$1,393/mo
Today · 4.125%
HK$53,941
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,882/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,668
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,337
−HK$1,696/mo
Today · 4.125%
HK$57,033
baseline
▲ 0.50% · 4.625%
HK$60,504
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,066/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,705
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,306
−HK$1,625/mo
Today · 4.125%
HK$62,931
baseline
▲ 0.50% · 4.625%
HK$66,248
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,862/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,002
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,148
−HK$2,181/mo
Today · 4.125%
HK$73,329
baseline
▲ 0.50% · 4.625%
HK$77,791
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,658/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,764
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,822
−HK$2,089/mo
Today · 4.125%
HK$80,911
baseline
▲ 0.50% · 4.625%
HK$85,176
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,822/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,427 · Scale 2, in force from 26 Feb 2026)