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$38,116
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,205/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,970
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,403
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,154/mo
Today · 4.125%
HK$44,694
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,388/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,446/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,884
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,384/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,362
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,022
−HK$1,686/mo
Today · 4.125%
HK$56,708
baseline
▲ 0.50% · 4.625%
HK$60,159
+HK$3,451/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,416/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,364
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,957
−HK$1,615/mo
Today · 4.125%
HK$62,572
baseline
▲ 0.50% · 4.625%
HK$65,870
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,144/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,608
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,742
−HK$2,168/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$77,347
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,076/mo
Today · 4.125%
HK$80,449
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,898/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,831 · Scale 2, in force from 26 Feb 2026)