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$38,052
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,202/mo
Today · 4.125%
HK$40,438
baseline
▲ 0.50% · 4.625%
HK$42,899
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,876/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,468
−HK$1,152/mo
Today · 4.125%
HK$44,620
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,240/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,083
−HK$1,443/mo
Today · 4.125%
HK$48,526
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,952/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,052/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,799
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,161
−HK$1,382/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,366
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,273
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,930
−HK$1,683/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$60,058
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,265
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,855
−HK$1,612/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,494
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,624
−HK$2,165/mo
Today · 4.125%
HK$72,789
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,578/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,198
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,242
−HK$2,073/mo
Today · 4.125%
HK$80,315
baseline
▲ 0.50% · 4.625%
HK$84,549
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,630/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,785 · Scale 2, in force from 26 Feb 2026)