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$38,070
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,203/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,152/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,444/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,503
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,383/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,685/mo
Today · 4.125%
HK$56,641
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,282/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,294
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,613/mo
Today · 4.125%
HK$62,497
baseline
▲ 0.50% · 4.625%
HK$65,792
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,994/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,527
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,658
−HK$2,166/mo
Today · 4.125%
HK$72,824
baseline
▲ 0.50% · 4.625%
HK$77,255
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,648/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,235
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,280
−HK$2,074/mo
Today · 4.125%
HK$80,354
baseline
▲ 0.50% · 4.625%
HK$84,589
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,708/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,086 · Scale 2, in force from 26 Feb 2026)