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$38,218
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,208/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,157/mo
Today · 4.125%
HK$44,815
baseline
▲ 0.50% · 4.625%
HK$47,177
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,630/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,862
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,449/mo
Today · 4.125%
HK$48,738
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,966/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$97,476/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,021
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,389/mo
Today · 4.125%
HK$53,778
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.06M · min. income ≈ HK$107,556/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,506
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,170
−HK$1,691/mo
Today · 4.125%
HK$56,861
baseline
▲ 0.50% · 4.625%
HK$60,321
+HK$3,460/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,722/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,525
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,121
−HK$1,619/mo
Today · 4.125%
HK$62,740
baseline
▲ 0.50% · 4.625%
HK$66,048
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,480/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,793
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,933
−HK$2,174/mo
Today · 4.125%
HK$73,107
baseline
▲ 0.50% · 4.625%
HK$77,555
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,214/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,532
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,082/mo
Today · 4.125%
HK$80,666
baseline
▲ 0.50% · 4.625%
HK$84,918
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,332/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,521 · Scale 2, in force from 26 Feb 2026)