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$38,087
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,204/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,939
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,153/mo
Today · 4.125%
HK$44,661
baseline
▲ 0.50% · 4.625%
HK$47,015
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,322/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,444/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,526
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,846
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,383/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,418
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,981
−HK$1,685/mo
Today · 4.125%
HK$56,666
baseline
▲ 0.50% · 4.625%
HK$60,114
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,332/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,321
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,912
−HK$1,614/mo
Today · 4.125%
HK$62,526
baseline
▲ 0.50% · 4.625%
HK$65,821
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,052/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,557
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,690
−HK$2,166/mo
Today · 4.125%
HK$72,856
baseline
▲ 0.50% · 4.625%
HK$77,290
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,712/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,269
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,315
−HK$2,075/mo
Today · 4.125%
HK$80,390
baseline
▲ 0.50% · 4.625%
HK$84,627
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,780/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,368 · Scale 2, in force from 26 Feb 2026)