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$38,080
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,204/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,152/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,444/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,384/mo
Today · 4.125%
HK$53,583
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,166/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,312
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,970
−HK$1,685/mo
Today · 4.125%
HK$56,655
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,310/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,309
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,899
−HK$1,614/mo
Today · 4.125%
HK$62,513
baseline
▲ 0.50% · 4.625%
HK$65,808
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,026/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,544
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,676
−HK$2,166/mo
Today · 4.125%
HK$72,842
baseline
▲ 0.50% · 4.625%
HK$77,274
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,684/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,254
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,075/mo
Today · 4.125%
HK$80,374
baseline
▲ 0.50% · 4.625%
HK$84,610
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,748/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,242 · Scale 2, in force from 26 Feb 2026)