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$38,054
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,237
−HK$1,203/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,901
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,334
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,152/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,443/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,481
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,801
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,164
−HK$1,382/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,368
+HK$2,822/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,932
−HK$1,684/mo
Today · 4.125%
HK$56,616
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,232/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,268
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,858
−HK$1,612/mo
Today · 4.125%
HK$62,470
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,940/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,497
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,627
−HK$2,165/mo
Today · 4.125%
HK$72,792
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,584/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,202
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,073/mo
Today · 4.125%
HK$80,319
baseline
▲ 0.50% · 4.625%
HK$84,552
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,638/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,813 · Scale 2, in force from 26 Feb 2026)