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$38,354
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,212/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,161/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,345
+HK$2,371/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,454/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,887
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,576
−HK$1,393/mo
Today · 4.125%
HK$53,969
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,938/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,696
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,366
−HK$1,697/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,338
−HK$1,625/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,319/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,037
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,185
−HK$2,182/mo
Today · 4.125%
HK$73,367
baseline
▲ 0.50% · 4.625%
HK$77,831
+HK$4,464/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,734/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,804
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,863
−HK$2,090/mo
Today · 4.125%
HK$80,953
baseline
▲ 0.50% · 4.625%
HK$85,220
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,906/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,755 · Scale 2, in force from 26 Feb 2026)