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$38,092
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,204/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,377
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,445/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,384/mo
Today · 4.125%
HK$53,600
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,200/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,329
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,988
−HK$1,685/mo
Today · 4.125%
HK$56,673
baseline
▲ 0.50% · 4.625%
HK$60,121
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,346/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,328
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,919
−HK$1,614/mo
Today · 4.125%
HK$62,533
baseline
▲ 0.50% · 4.625%
HK$65,829
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,066/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,698
−HK$2,167/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,278
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,324
−HK$2,076/mo
Today · 4.125%
HK$80,400
baseline
▲ 0.50% · 4.625%
HK$84,638
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,800/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,443 · Scale 2, in force from 26 Feb 2026)