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$2,388/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,203/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,351
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,152/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$46,992
+HK$2,353/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$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,444/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,383/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,296
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,954
−HK$1,684/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$626,057 · 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$65,789
+HK$3,295/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$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$2,165/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$626,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,231
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,276
−HK$2,074/mo
Today · 4.125%
HK$80,350
baseline
▲ 0.50% · 4.625%
HK$84,585
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,700/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,057 · Scale 2, in force from 26 Feb 2026)