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$38,068
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,252
−HK$1,203/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,153/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,352/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,278/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,443/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,500
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,382/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,685/mo
Today · 4.125%
HK$56,638
baseline
▲ 0.50% · 4.625%
HK$60,084
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,276/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,291
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,881
−HK$1,613/mo
Today · 4.125%
HK$62,494
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,988/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,654
−HK$2,166/mo
Today · 4.125%
HK$72,820
baseline
▲ 0.50% · 4.625%
HK$77,251
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,640/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,231
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,275
−HK$2,074/mo
Today · 4.125%
HK$80,349
baseline
▲ 0.50% · 4.625%
HK$84,585
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,698/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,051 · Scale 2, in force from 26 Feb 2026)