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$2,403/mo
▼ 0.25% · 3.875%
HK$39,510
−HK$1,211/mo
Today · 4.125%
HK$40,721
baseline
▲ 0.50% · 4.625%
HK$43,199
+HK$2,478/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,442/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,628
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,772
−HK$1,159/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,300
+HK$2,369/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$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,982
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,453/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,838
+HK$2,973/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,154
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,526
−HK$1,392/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$56,760
+HK$2,842/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,645
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,314
−HK$1,695/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,478
+HK$3,469/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$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,680
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,624/mo
Today · 4.125%
HK$62,904
baseline
▲ 0.50% · 4.625%
HK$66,220
+HK$3,316/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,808/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,972
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,118
−HK$2,179/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$630,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,731
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,789
−HK$2,087/mo
Today · 4.125%
HK$80,876
baseline
▲ 0.50% · 4.625%
HK$85,140
+HK$4,264/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$630,159 · Scale 2, in force from 26 Feb 2026)