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$38,093
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,278
−HK$1,203/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,153/mo
Today · 4.125%
HK$44,667
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,334/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,445/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,384/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,330
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,989
−HK$1,685/mo
Today · 4.125%
HK$56,674
baseline
▲ 0.50% · 4.625%
HK$60,122
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,348/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,329
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,920
−HK$1,614/mo
Today · 4.125%
HK$62,534
baseline
▲ 0.50% · 4.625%
HK$65,830
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,068/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,567
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,700
−HK$2,166/mo
Today · 4.125%
HK$72,866
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,732/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,280
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,326
−HK$2,075/mo
Today · 4.125%
HK$80,401
baseline
▲ 0.50% · 4.625%
HK$84,639
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,802/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,454 · Scale 2, in force from 26 Feb 2026)