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$38,048
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,202/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,464
−HK$1,151/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$46,967
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,658
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,078
−HK$1,443/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,953/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,156
−HK$1,382/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,360
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,268
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,925
−HK$1,683/mo
Today · 4.125%
HK$56,608
baseline
▲ 0.50% · 4.625%
HK$60,053
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,216/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,260
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,849
−HK$1,612/mo
Today · 4.125%
HK$62,461
baseline
▲ 0.50% · 4.625%
HK$65,754
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,922/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,487
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,617
−HK$2,165/mo
Today · 4.125%
HK$72,782
baseline
▲ 0.50% · 4.625%
HK$77,210
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,564/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,191
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,235
−HK$2,073/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,726 · Scale 2, in force from 26 Feb 2026)