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$38,105
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,204/mo
Today · 4.125%
HK$40,494
baseline
▲ 0.50% · 4.625%
HK$42,958
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,988/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,391
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,528
−HK$1,154/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,037
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,726
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,148
−HK$1,445/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,550
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,870
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,234
−HK$1,384/mo
Today · 4.125%
HK$53,618
baseline
▲ 0.50% · 4.625%
HK$56,444
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,236/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,347
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,006
−HK$1,686/mo
Today · 4.125%
HK$56,692
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,384/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,348
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,940
−HK$1,614/mo
Today · 4.125%
HK$62,554
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,108/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,589
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,722
−HK$2,168/mo
Today · 4.125%
HK$72,890
baseline
▲ 0.50% · 4.625%
HK$77,325
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,780/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,305
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,351
−HK$2,076/mo
Today · 4.125%
HK$80,427
baseline
▲ 0.50% · 4.625%
HK$84,666
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,854/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,657 · Scale 2, in force from 26 Feb 2026)