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$38,099
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,204/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,522
−HK$1,153/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,030
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,141
−HK$1,445/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,543
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,862
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,384/mo
Today · 4.125%
HK$53,610
baseline
▲ 0.50% · 4.625%
HK$56,436
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,220/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,339
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,686/mo
Today · 4.125%
HK$56,684
baseline
▲ 0.50% · 4.625%
HK$60,133
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,368/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,339
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,614/mo
Today · 4.125%
HK$62,545
baseline
▲ 0.50% · 4.625%
HK$65,842
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,090/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,579
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$2,167/mo
Today · 4.125%
HK$72,879
baseline
▲ 0.50% · 4.625%
HK$77,314
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,758/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,293
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,339
−HK$2,076/mo
Today · 4.125%
HK$80,415
baseline
▲ 0.50% · 4.625%
HK$84,654
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,830/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,563 · Scale 2, in force from 26 Feb 2026)