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$38,318
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,509
−HK$1,211/mo
Today · 4.125%
HK$40,720
baseline
▲ 0.50% · 4.625%
HK$43,198
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,440/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,628
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,771
−HK$1,160/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,299
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,862/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,453/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,838
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,153
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,525
−HK$1,392/mo
Today · 4.125%
HK$53,917
baseline
▲ 0.50% · 4.625%
HK$56,759
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,834/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,645
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,313
−HK$1,696/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,468/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$114,018/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,679
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,623/mo
Today · 4.125%
HK$62,903
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,806/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,972
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$2,180/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,757
+HK$4,460/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,730
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,788
−HK$2,088/mo
Today · 4.125%
HK$80,876
baseline
▲ 0.50% · 4.625%
HK$85,139
+HK$4,263/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,752/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,153 · Scale 2, in force from 26 Feb 2026)