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$38,118
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,205/mo
Today · 4.125%
HK$40,508
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,016/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,406
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,154/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,053
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,741
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,164
−HK$1,446/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,568
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,887
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,252
−HK$1,384/mo
Today · 4.125%
HK$53,636
baseline
▲ 0.50% · 4.625%
HK$56,463
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,272/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,365
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,025
−HK$1,686/mo
Today · 4.125%
HK$56,711
baseline
▲ 0.50% · 4.625%
HK$60,162
+HK$3,451/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,422/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,368
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,960
−HK$1,615/mo
Today · 4.125%
HK$62,575
baseline
▲ 0.50% · 4.625%
HK$65,874
+HK$3,299/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,150/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,746
−HK$2,169/mo
Today · 4.125%
HK$72,915
baseline
▲ 0.50% · 4.625%
HK$77,351
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,830/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,330
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,377
−HK$2,077/mo
Today · 4.125%
HK$80,454
baseline
▲ 0.50% · 4.625%
HK$84,695
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,908/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,868 · Scale 2, in force from 26 Feb 2026)