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$38,120
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,306
−HK$1,204/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,408
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,545
−HK$1,154/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,055
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,167
−HK$1,445/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,570
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,890
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,254
−HK$1,385/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,466
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,687/mo
Today · 4.125%
HK$56,715
baseline
▲ 0.50% · 4.625%
HK$60,166
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,430/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,371
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,615/mo
Today · 4.125%
HK$62,579
baseline
▲ 0.50% · 4.625%
HK$65,878
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,158/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,616
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,750
−HK$2,169/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$77,356
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,334
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,382
−HK$2,077/mo
Today · 4.125%
HK$80,459
baseline
▲ 0.50% · 4.625%
HK$84,700
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,918/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,903 · Scale 2, in force from 26 Feb 2026)