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$38,076
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,204/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,495
−HK$1,153/mo
Today · 4.125%
HK$44,648
baseline
▲ 0.50% · 4.625%
HK$47,001
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,296/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,112
−HK$1,444/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,511
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,383/mo
Today · 4.125%
HK$53,577
baseline
▲ 0.50% · 4.625%
HK$56,401
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,154/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,306
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,964
−HK$1,685/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,303
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,893
−HK$1,614/mo
Today · 4.125%
HK$62,507
baseline
▲ 0.50% · 4.625%
HK$65,801
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,014/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,536
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,668
−HK$2,166/mo
Today · 4.125%
HK$72,834
baseline
▲ 0.50% · 4.625%
HK$77,266
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,668/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,246
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,291
−HK$2,075/mo
Today · 4.125%
HK$80,366
baseline
▲ 0.50% · 4.625%
HK$84,602
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,732/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,177 · Scale 2, in force from 26 Feb 2026)