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$38,097
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,282
−HK$1,204/mo
Today · 4.125%
HK$40,486
baseline
▲ 0.50% · 4.625%
HK$42,949
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,972/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,382
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,519
−HK$1,153/mo
Today · 4.125%
HK$44,672
baseline
▲ 0.50% · 4.625%
HK$47,027
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,344/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,445/mo
Today · 4.125%
HK$48,583
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,166/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,859
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,223
−HK$1,384/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,336
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,685/mo
Today · 4.125%
HK$56,680
baseline
▲ 0.50% · 4.625%
HK$60,129
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,360/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,335
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,614/mo
Today · 4.125%
HK$62,541
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,082/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,574
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,708
−HK$2,167/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,288
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,334
−HK$2,076/mo
Today · 4.125%
HK$80,410
baseline
▲ 0.50% · 4.625%
HK$84,649
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,820/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,524 · Scale 2, in force from 26 Feb 2026)