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$38,094
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,279
−HK$1,204/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,379
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,516
−HK$1,153/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,023
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,713
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,135
−HK$1,444/mo
Today · 4.125%
HK$48,579
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,158/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,855
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,219
−HK$1,384/mo
Today · 4.125%
HK$53,603
baseline
▲ 0.50% · 4.625%
HK$56,428
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,206/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,332
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,991
−HK$1,685/mo
Today · 4.125%
HK$56,676
baseline
▲ 0.50% · 4.625%
HK$60,125
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,352/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,331
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,922
−HK$1,614/mo
Today · 4.125%
HK$62,536
baseline
▲ 0.50% · 4.625%
HK$65,833
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,072/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,569
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,702
−HK$2,167/mo
Today · 4.125%
HK$72,869
baseline
▲ 0.50% · 4.625%
HK$77,303
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,738/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,283
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,328
−HK$2,076/mo
Today · 4.125%
HK$80,404
baseline
▲ 0.50% · 4.625%
HK$84,642
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,808/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,477 · Scale 2, in force from 26 Feb 2026)