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$38,073
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,203/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,922
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,355
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,491
−HK$1,153/mo
Today · 4.125%
HK$44,644
baseline
▲ 0.50% · 4.625%
HK$46,997
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,288/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,687
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,108
−HK$1,444/mo
Today · 4.125%
HK$48,552
baseline
▲ 0.50% · 4.625%
HK$51,506
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,104/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,826
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,189
−HK$1,383/mo
Today · 4.125%
HK$53,572
baseline
▲ 0.50% · 4.625%
HK$56,396
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,144/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,302
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,685/mo
Today · 4.125%
HK$56,644
baseline
▲ 0.50% · 4.625%
HK$60,091
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,288/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,297
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,888
−HK$1,613/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$65,796
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,531
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,662
−HK$2,166/mo
Today · 4.125%
HK$72,828
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,656/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,240
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,284
−HK$2,075/mo
Today · 4.125%
HK$80,359
baseline
▲ 0.50% · 4.625%
HK$84,594
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,718/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,123 · Scale 2, in force from 26 Feb 2026)