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$38,124
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,205/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,413
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,154/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,357/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,749
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,172
−HK$1,446/mo
Today · 4.125%
HK$48,618
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,236/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,895
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,260
−HK$1,385/mo
Today · 4.125%
HK$53,645
baseline
▲ 0.50% · 4.625%
HK$56,473
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,290/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,374
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,034
−HK$1,687/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$60,172
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,378
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,616/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$65,885
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,623
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,758
−HK$2,169/mo
Today · 4.125%
HK$72,927
baseline
▲ 0.50% · 4.625%
HK$77,364
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,854/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,343
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,390
−HK$2,077/mo
Today · 4.125%
HK$80,467
baseline
▲ 0.50% · 4.625%
HK$84,709
+HK$4,242/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,934/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,972 · Scale 2, in force from 26 Feb 2026)