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$38,065
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,249
−HK$1,203/mo
Today · 4.125%
HK$40,452
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,904/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,483
−HK$1,152/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,678
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,099
−HK$1,443/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,496
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,816
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,179
−HK$1,383/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,385
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,291
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,949
−HK$1,684/mo
Today · 4.125%
HK$56,633
baseline
▲ 0.50% · 4.625%
HK$60,079
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,266/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,286
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,613/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,517
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,648
−HK$2,166/mo
Today · 4.125%
HK$72,814
baseline
▲ 0.50% · 4.625%
HK$77,244
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,628/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,269
−HK$2,074/mo
Today · 4.125%
HK$80,343
baseline
▲ 0.50% · 4.625%
HK$84,578
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,686/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,000 · Scale 2, in force from 26 Feb 2026)