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$38,070
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,254
−HK$1,203/mo
Today · 4.125%
HK$40,457
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,914/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,352
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,153/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,444/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,503
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,823
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,186
−HK$1,383/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,684/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,293
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,613/mo
Today · 4.125%
HK$62,497
baseline
▲ 0.50% · 4.625%
HK$65,791
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,994/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,526
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,658
−HK$2,165/mo
Today · 4.125%
HK$72,823
baseline
▲ 0.50% · 4.625%
HK$77,254
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,646/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,234
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,279
−HK$2,074/mo
Today · 4.125%
HK$80,353
baseline
▲ 0.50% · 4.625%
HK$84,589
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,706/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,081 · Scale 2, in force from 26 Feb 2026)