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$38,045
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,202/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,891
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,460
−HK$1,152/mo
Today · 4.125%
HK$44,612
baseline
▲ 0.50% · 4.625%
HK$46,963
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,224/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,443/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,382/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,356
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,263
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,920
−HK$1,684/mo
Today · 4.125%
HK$56,604
baseline
▲ 0.50% · 4.625%
HK$60,048
+HK$3,444/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,208/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,255
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,844
−HK$1,612/mo
Today · 4.125%
HK$62,456
baseline
▲ 0.50% · 4.625%
HK$65,749
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,912/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,482
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$2,164/mo
Today · 4.125%
HK$72,776
baseline
▲ 0.50% · 4.625%
HK$77,204
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,552/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,228
−HK$2,073/mo
Today · 4.125%
HK$80,301
baseline
▲ 0.50% · 4.625%
HK$84,534
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,602/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,675 · Scale 2, in force from 26 Feb 2026)