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$38,099
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,204/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,951
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,384
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,153/mo
Today · 4.125%
HK$44,674
baseline
▲ 0.50% · 4.625%
HK$47,029
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,348/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,140
−HK$1,445/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,861
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,225
−HK$1,384/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,435
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,997
−HK$1,686/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$60,132
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,929
−HK$1,615/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,578
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,711
−HK$2,167/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$77,312
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,292
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,338
−HK$2,076/mo
Today · 4.125%
HK$80,414
baseline
▲ 0.50% · 4.625%
HK$84,652
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,828/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,552 · Scale 2, in force from 26 Feb 2026)