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$38,121
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,205/mo
Today · 4.125%
HK$40,512
baseline
▲ 0.50% · 4.625%
HK$42,977
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,024/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,410
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,547
−HK$1,154/mo
Today · 4.125%
HK$44,701
baseline
▲ 0.50% · 4.625%
HK$47,057
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,402/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,746
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,169
−HK$1,445/mo
Today · 4.125%
HK$48,614
baseline
▲ 0.50% · 4.625%
HK$51,572
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,228/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,892
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,384/mo
Today · 4.125%
HK$53,641
baseline
▲ 0.50% · 4.625%
HK$56,469
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,282/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,370
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,030
−HK$1,687/mo
Today · 4.125%
HK$56,717
baseline
▲ 0.50% · 4.625%
HK$60,168
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,434/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,374
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,966
−HK$1,615/mo
Today · 4.125%
HK$62,581
baseline
▲ 0.50% · 4.625%
HK$65,880
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,162/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,619
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,753
−HK$2,169/mo
Today · 4.125%
HK$72,922
baseline
▲ 0.50% · 4.625%
HK$77,359
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,844/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,338
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,385
−HK$2,077/mo
Today · 4.125%
HK$80,462
baseline
▲ 0.50% · 4.625%
HK$84,703
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,924/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,927 · Scale 2, in force from 26 Feb 2026)