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$38,340
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,212/mo
Today · 4.125%
HK$40,744
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,488/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,161/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,327
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,454/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,975/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,556
−HK$1,392/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,676
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,696/mo
Today · 4.125%
HK$57,041
baseline
▲ 0.50% · 4.625%
HK$60,512
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,082/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,713
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,315
−HK$1,625/mo
Today · 4.125%
HK$62,940
baseline
▲ 0.50% · 4.625%
HK$66,257
+HK$3,317/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,880/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$2,181/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,802
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,834
−HK$2,088/mo
Today · 4.125%
HK$80,922
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,844/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,516 · Scale 2, in force from 26 Feb 2026)