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$38,294
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,210/mo
Today · 4.125%
HK$40,695
baseline
▲ 0.50% · 4.625%
HK$43,172
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,390/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,602
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,159/mo
Today · 4.125%
HK$44,903
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,806/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,953
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,452/mo
Today · 4.125%
HK$48,834
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,668/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,122
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,391/mo
Today · 4.125%
HK$53,884
baseline
▲ 0.50% · 4.625%
HK$56,724
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,768/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,612
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,694/mo
Today · 4.125%
HK$56,973
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,946/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,623/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,929
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,073
−HK$2,179/mo
Today · 4.125%
HK$73,252
baseline
▲ 0.50% · 4.625%
HK$77,709
+HK$4,457/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,504/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,683
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,740
−HK$2,086/mo
Today · 4.125%
HK$80,826
baseline
▲ 0.50% · 4.625%
HK$85,086
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,652/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,765 · Scale 2, in force from 26 Feb 2026)