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$38,079
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,203/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,153/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,694
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,444/mo
Today · 4.125%
HK$48,560
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,120/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,835
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,198
−HK$1,383/mo
Today · 4.125%
HK$53,581
baseline
▲ 0.50% · 4.625%
HK$56,405
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,162/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,310
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,968
−HK$1,685/mo
Today · 4.125%
HK$56,653
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,306/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,307
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,613/mo
Today · 4.125%
HK$62,511
baseline
▲ 0.50% · 4.625%
HK$65,806
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,022/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,542
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,674
−HK$2,166/mo
Today · 4.125%
HK$72,840
baseline
▲ 0.50% · 4.625%
HK$77,272
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,680/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,252
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,297
−HK$2,074/mo
Today · 4.125%
HK$80,371
baseline
▲ 0.50% · 4.625%
HK$84,608
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,742/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,223 · Scale 2, in force from 26 Feb 2026)