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$38,100
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,285
−HK$1,204/mo
Today · 4.125%
HK$40,489
baseline
▲ 0.50% · 4.625%
HK$42,953
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,978/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,523
−HK$1,153/mo
Today · 4.125%
HK$44,676
baseline
▲ 0.50% · 4.625%
HK$47,031
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,352/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,720
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,142
−HK$1,445/mo
Today · 4.125%
HK$48,587
baseline
▲ 0.50% · 4.625%
HK$51,543
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,174/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,863
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,227
−HK$1,384/mo
Today · 4.125%
HK$53,611
baseline
▲ 0.50% · 4.625%
HK$56,437
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,222/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,340
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,999
−HK$1,686/mo
Today · 4.125%
HK$56,685
baseline
▲ 0.50% · 4.625%
HK$60,134
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,370/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,340
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,932
−HK$1,614/mo
Today · 4.125%
HK$62,546
baseline
▲ 0.50% · 4.625%
HK$65,843
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,092/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,580
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,713
−HK$2,167/mo
Today · 4.125%
HK$72,880
baseline
▲ 0.50% · 4.625%
HK$77,315
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,760/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,294
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,341
−HK$2,075/mo
Today · 4.125%
HK$80,416
baseline
▲ 0.50% · 4.625%
HK$84,655
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,832/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,574 · Scale 2, in force from 26 Feb 2026)