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$38,110
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,204/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,965
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,535
−HK$1,153/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,733
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,445/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,384/mo
Today · 4.125%
HK$53,626
baseline
▲ 0.50% · 4.625%
HK$56,452
+HK$2,826/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,252/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,355
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,014
−HK$1,686/mo
Today · 4.125%
HK$56,700
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,451/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,400/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,948
−HK$1,615/mo
Today · 4.125%
HK$62,563
baseline
▲ 0.50% · 4.625%
HK$65,861
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,126/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,599
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$2,168/mo
Today · 4.125%
HK$72,901
baseline
▲ 0.50% · 4.625%
HK$77,336
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,802/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,316
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,362
−HK$2,077/mo
Today · 4.125%
HK$80,439
baseline
▲ 0.50% · 4.625%
HK$84,679
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,878/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,747 · Scale 2, in force from 26 Feb 2026)