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$38,064
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,248
−HK$1,203/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,912
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,346
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,482
−HK$1,152/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$46,987
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,677
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,098
−HK$1,443/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,495
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,815
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,178
−HK$1,383/mo
Today · 4.125%
HK$53,561
baseline
▲ 0.50% · 4.625%
HK$56,384
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,122/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,290
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,947
−HK$1,685/mo
Today · 4.125%
HK$56,632
baseline
▲ 0.50% · 4.625%
HK$60,077
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,264/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,284
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,874
−HK$1,613/mo
Today · 4.125%
HK$62,487
baseline
▲ 0.50% · 4.625%
HK$65,781
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,974/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$2,165/mo
Today · 4.125%
HK$72,812
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,624/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,223
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,267
−HK$2,074/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,986 · Scale 2, in force from 26 Feb 2026)