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$38,300
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,211/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$43,178
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,751
−HK$1,159/mo
Today · 4.125%
HK$44,910
baseline
▲ 0.50% · 4.625%
HK$47,278
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,820/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,453/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,130
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,391/mo
Today · 4.125%
HK$53,892
baseline
▲ 0.50% · 4.625%
HK$56,733
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,784/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,288
−HK$1,694/mo
Today · 4.125%
HK$56,982
baseline
▲ 0.50% · 4.625%
HK$60,450
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,964/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,652
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,251
−HK$1,623/mo
Today · 4.125%
HK$62,874
baseline
▲ 0.50% · 4.625%
HK$66,189
+HK$3,315/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,748/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,940
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$2,179/mo
Today · 4.125%
HK$73,263
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$4,458/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,526/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,752
−HK$2,086/mo
Today · 4.125%
HK$80,838
baseline
▲ 0.50% · 4.625%
HK$85,100
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,676/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,862 · Scale 2, in force from 26 Feb 2026)