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$38,073
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,258
−HK$1,203/mo
Today · 4.125%
HK$40,461
baseline
▲ 0.50% · 4.625%
HK$42,923
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,922/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,153/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$46,998
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,109
−HK$1,444/mo
Today · 4.125%
HK$48,553
baseline
▲ 0.50% · 4.625%
HK$51,507
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,106/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,827
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,191
−HK$1,382/mo
Today · 4.125%
HK$53,573
baseline
▲ 0.50% · 4.625%
HK$56,397
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,146/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,303
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,961
−HK$1,684/mo
Today · 4.125%
HK$56,645
baseline
▲ 0.50% · 4.625%
HK$60,092
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,290/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,299
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,889
−HK$1,613/mo
Today · 4.125%
HK$62,502
baseline
▲ 0.50% · 4.625%
HK$65,797
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,004/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,532
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,664
−HK$2,165/mo
Today · 4.125%
HK$72,829
baseline
▲ 0.50% · 4.625%
HK$77,261
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,658/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,241
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,286
−HK$2,074/mo
Today · 4.125%
HK$80,360
baseline
▲ 0.50% · 4.625%
HK$84,596
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,720/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,136 · Scale 2, in force from 26 Feb 2026)