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$38,082
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,203/mo
Today · 4.125%
HK$40,470
baseline
▲ 0.50% · 4.625%
HK$42,933
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,940/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,366
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,502
−HK$1,153/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,009
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,699
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,445/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,520
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,203
−HK$1,383/mo
Today · 4.125%
HK$53,586
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,172/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,974
−HK$1,685/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,313
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,614/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,548
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,680
−HK$2,167/mo
Today · 4.125%
HK$72,847
baseline
▲ 0.50% · 4.625%
HK$77,279
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,694/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,259
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,304
−HK$2,075/mo
Today · 4.125%
HK$80,379
baseline
▲ 0.50% · 4.625%
HK$84,616
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,758/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,285 · Scale 2, in force from 26 Feb 2026)