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$38,055
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,203/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,902
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,152/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,087
−HK$1,443/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,483
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,803
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,382/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,370
+HK$2,822/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,277
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,934
−HK$1,684/mo
Today · 4.125%
HK$56,618
baseline
▲ 0.50% · 4.625%
HK$60,063
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,236/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,270
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,860
−HK$1,613/mo
Today · 4.125%
HK$62,473
baseline
▲ 0.50% · 4.625%
HK$65,766
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,946/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,499
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,630
−HK$2,165/mo
Today · 4.125%
HK$72,795
baseline
▲ 0.50% · 4.625%
HK$77,224
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,590/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,205
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,249
−HK$2,073/mo
Today · 4.125%
HK$80,322
baseline
▲ 0.50% · 4.625%
HK$84,556
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,644/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,837 · Scale 2, in force from 26 Feb 2026)