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$38,213
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,207/mo
Today · 4.125%
HK$40,609
baseline
▲ 0.50% · 4.625%
HK$43,080
+HK$2,471/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,218/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,652
−HK$1,156/mo
Today · 4.125%
HK$44,808
baseline
▲ 0.50% · 4.625%
HK$47,170
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,616/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,449/mo
Today · 4.125%
HK$48,731
baseline
▲ 0.50% · 4.625%
HK$51,696
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,462/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,014
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,388/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$56,604
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,691/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$60,312
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,516
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,112
−HK$1,620/mo
Today · 4.125%
HK$62,732
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,464/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,783
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,923
−HK$2,174/mo
Today · 4.125%
HK$73,097
baseline
▲ 0.50% · 4.625%
HK$77,545
+HK$4,448/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,194/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,521
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,573
−HK$2,082/mo
Today · 4.125%
HK$80,655
baseline
▲ 0.50% · 4.625%
HK$84,907
+HK$4,252/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,310/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,434 · Scale 2, in force from 26 Feb 2026)