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$38,062
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,203/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,910
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,479
−HK$1,152/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,443/mo
Today · 4.125%
HK$48,538
baseline
▲ 0.50% · 4.625%
HK$51,492
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,076/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,812
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,382/mo
Today · 4.125%
HK$53,557
baseline
▲ 0.50% · 4.625%
HK$56,380
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,114/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,286
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,944
−HK$1,684/mo
Today · 4.125%
HK$56,628
baseline
▲ 0.50% · 4.625%
HK$60,074
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,256/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,281
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,871
−HK$1,612/mo
Today · 4.125%
HK$62,483
baseline
▲ 0.50% · 4.625%
HK$65,777
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,966/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,511
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,642
−HK$2,165/mo
Today · 4.125%
HK$72,807
baseline
▲ 0.50% · 4.625%
HK$77,238
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,614/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,218
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,074/mo
Today · 4.125%
HK$80,336
baseline
▲ 0.50% · 4.625%
HK$84,570
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,672/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,946 · Scale 2, in force from 26 Feb 2026)