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$38,061
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,202/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,908
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,152/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,352/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,444/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,490
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,383/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,379
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,684/mo
Today · 4.125%
HK$56,626
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,252/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,613/mo
Today · 4.125%
HK$62,482
baseline
▲ 0.50% · 4.625%
HK$65,775
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,964/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,509
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,640
−HK$2,165/mo
Today · 4.125%
HK$72,805
baseline
▲ 0.50% · 4.625%
HK$77,235
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,610/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,073/mo
Today · 4.125%
HK$80,333
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,666/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,927 · Scale 2, in force from 26 Feb 2026)