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$38,107
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,205/mo
Today · 4.125%
HK$40,497
baseline
▲ 0.50% · 4.625%
HK$42,961
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,994/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,394
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,154/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,445/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,553
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,872
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,384/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,350
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,009
−HK$1,686/mo
Today · 4.125%
HK$56,695
baseline
▲ 0.50% · 4.625%
HK$60,145
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,390/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,351
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,943
−HK$1,614/mo
Today · 4.125%
HK$62,557
baseline
▲ 0.50% · 4.625%
HK$65,855
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,114/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,592
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$2,168/mo
Today · 4.125%
HK$72,894
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,788/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,308
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,355
−HK$2,076/mo
Today · 4.125%
HK$80,431
baseline
▲ 0.50% · 4.625%
HK$84,671
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,862/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,688 · Scale 2, in force from 26 Feb 2026)