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$38,112
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,204/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,153/mo
Today · 4.125%
HK$44,689
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,378/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,734
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,446/mo
Today · 4.125%
HK$48,602
baseline
▲ 0.50% · 4.625%
HK$51,559
+HK$2,957/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,204/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,878
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,243
−HK$1,384/mo
Today · 4.125%
HK$53,627
baseline
▲ 0.50% · 4.625%
HK$56,454
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,254/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,356
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,016
−HK$1,686/mo
Today · 4.125%
HK$56,702
baseline
▲ 0.50% · 4.625%
HK$60,152
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,404/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,358
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,950
−HK$1,615/mo
Today · 4.125%
HK$62,565
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,130/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,601
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,735
−HK$2,168/mo
Today · 4.125%
HK$72,903
baseline
▲ 0.50% · 4.625%
HK$77,339
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,806/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,318
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,364
−HK$2,077/mo
Today · 4.125%
HK$80,441
baseline
▲ 0.50% · 4.625%
HK$84,681
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,882/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,764 · Scale 2, in force from 26 Feb 2026)