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$38,046
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,202/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,892
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,326
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,152/mo
Today · 4.125%
HK$44,613
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,226/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,655
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,442/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,471
+HK$2,953/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,791
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,382/mo
Today · 4.125%
HK$53,535
baseline
▲ 0.50% · 4.625%
HK$56,357
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,070/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,265
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,921
−HK$1,684/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$60,049
+HK$3,444/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,846
−HK$1,612/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$65,750
+HK$3,292/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,916/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,483
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,613
−HK$2,165/mo
Today · 4.125%
HK$72,778
baseline
▲ 0.50% · 4.625%
HK$77,206
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,556/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,187
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,073/mo
Today · 4.125%
HK$80,303
baseline
▲ 0.50% · 4.625%
HK$84,536
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,606/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,689 · Scale 2, in force from 26 Feb 2026)