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$38,078
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,204/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,153/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,115
−HK$1,444/mo
Today · 4.125%
HK$48,559
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,118/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,197
−HK$1,383/mo
Today · 4.125%
HK$53,580
baseline
▲ 0.50% · 4.625%
HK$56,404
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,160/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,309
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,967
−HK$1,685/mo
Today · 4.125%
HK$56,652
baseline
▲ 0.50% · 4.625%
HK$60,099
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,304/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,305
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,896
−HK$1,614/mo
Today · 4.125%
HK$62,510
baseline
▲ 0.50% · 4.625%
HK$65,805
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,020/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,540
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$2,166/mo
Today · 4.125%
HK$72,838
baseline
▲ 0.50% · 4.625%
HK$77,270
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,676/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,250
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,295
−HK$2,074/mo
Today · 4.125%
HK$80,369
baseline
▲ 0.50% · 4.625%
HK$84,606
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,738/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,208 · Scale 2, in force from 26 Feb 2026)