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$38,115
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,204/mo
Today · 4.125%
HK$40,505
baseline
▲ 0.50% · 4.625%
HK$42,970
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,010/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,403
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,154/mo
Today · 4.125%
HK$44,694
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,388/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,445/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,564
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,883
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,384/mo
Today · 4.125%
HK$53,632
baseline
▲ 0.50% · 4.625%
HK$56,459
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,264/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,021
−HK$1,686/mo
Today · 4.125%
HK$56,707
baseline
▲ 0.50% · 4.625%
HK$60,158
+HK$3,451/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,414/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,364
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,615/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,607
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,741
−HK$2,169/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$77,346
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,325
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,372
−HK$2,077/mo
Today · 4.125%
HK$80,449
baseline
▲ 0.50% · 4.625%
HK$84,689
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,898/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,824 · Scale 2, in force from 26 Feb 2026)