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$38,090
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,204/mo
Today · 4.125%
HK$40,479
baseline
▲ 0.50% · 4.625%
HK$42,942
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,958/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,375
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,512
−HK$1,152/mo
Today · 4.125%
HK$44,664
baseline
▲ 0.50% · 4.625%
HK$47,019
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,328/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,445/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,850
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,214
−HK$1,383/mo
Today · 4.125%
HK$53,597
baseline
▲ 0.50% · 4.625%
HK$56,423
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,194/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,685/mo
Today · 4.125%
HK$56,670
baseline
▲ 0.50% · 4.625%
HK$60,119
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,340/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,325
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,614/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,695
−HK$2,167/mo
Today · 4.125%
HK$72,862
baseline
▲ 0.50% · 4.625%
HK$77,295
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,724/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,275
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,321
−HK$2,075/mo
Today · 4.125%
HK$80,396
baseline
▲ 0.50% · 4.625%
HK$84,634
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,792/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,415 · Scale 2, in force from 26 Feb 2026)