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$38,334
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,211/mo
Today · 4.125%
HK$40,737
baseline
▲ 0.50% · 4.625%
HK$43,216
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,474/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,789
−HK$1,161/mo
Today · 4.125%
HK$44,950
baseline
▲ 0.50% · 4.625%
HK$47,319
+HK$2,369/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,900/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,000
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,431
−HK$1,454/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,859
+HK$2,974/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,175
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,547
−HK$1,393/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$56,783
+HK$2,843/mo
Deposit HK$6.72M · loan HK$10.09M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,667
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,336
−HK$1,696/mo
Today · 4.125%
HK$57,032
baseline
▲ 0.50% · 4.625%
HK$60,503
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,064/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,704
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,305
−HK$1,625/mo
Today · 4.125%
HK$62,930
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,860/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,147
−HK$2,180/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,789
+HK$4,462/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,088/mo
Today · 4.125%
HK$80,909
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,265/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,818/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,416 · Scale 2, in force from 26 Feb 2026)