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$38,070
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,254
−HK$1,203/mo
Today · 4.125%
HK$40,457
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,914/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,352
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,152/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,683
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,444/mo
Today · 4.125%
HK$48,548
baseline
▲ 0.50% · 4.625%
HK$51,502
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,096/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,822
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,185
−HK$1,383/mo
Today · 4.125%
HK$53,568
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,136/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,297
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,685/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$60,086
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,293
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,883
−HK$1,613/mo
Today · 4.125%
HK$62,496
baseline
▲ 0.50% · 4.625%
HK$65,790
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,992/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,525
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,657
−HK$2,165/mo
Today · 4.125%
HK$72,822
baseline
▲ 0.50% · 4.625%
HK$77,253
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,644/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,234
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,278
−HK$2,074/mo
Today · 4.125%
HK$80,352
baseline
▲ 0.50% · 4.625%
HK$84,588
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,704/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,074 · Scale 2, in force from 26 Feb 2026)