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$38,116
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,204/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,404
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,541
−HK$1,154/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,162
−HK$1,445/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,884
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,384/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,461
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,362
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,022
−HK$1,687/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$60,159
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,365
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,957
−HK$1,615/mo
Today · 4.125%
HK$62,572
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,299/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,144/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,609
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,743
−HK$2,168/mo
Today · 4.125%
HK$72,911
baseline
▲ 0.50% · 4.625%
HK$77,347
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,822/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,077/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$84,691
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,837 · Scale 2, in force from 26 Feb 2026)