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$38,082
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,203/mo
Today · 4.125%
HK$40,470
baseline
▲ 0.50% · 4.625%
HK$42,933
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,940/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,366
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,502
−HK$1,153/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,008
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,444/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,384/mo
Today · 4.125%
HK$53,586
baseline
▲ 0.50% · 4.625%
HK$56,410
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,172/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,973
−HK$1,685/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,312
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,614/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$65,812
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,547
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,680
−HK$2,166/mo
Today · 4.125%
HK$72,846
baseline
▲ 0.50% · 4.625%
HK$77,279
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,692/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,304
−HK$2,074/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$84,615
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,278 · Scale 2, in force from 26 Feb 2026)