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$38,114
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,204/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,969
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,539
−HK$1,153/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,445/mo
Today · 4.125%
HK$48,605
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,210/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,882
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,384/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,360
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,020
−HK$1,686/mo
Today · 4.125%
HK$56,706
baseline
▲ 0.50% · 4.625%
HK$60,156
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,412/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,362
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,615/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$65,867
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,605
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,739
−HK$2,169/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$77,344
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,323
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,370
−HK$2,076/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$84,687
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,807 · Scale 2, in force from 26 Feb 2026)