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$38,085
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,269
−HK$1,204/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,153/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,012
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,123
−HK$1,444/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,523
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,842
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,206
−HK$1,383/mo
Today · 4.125%
HK$53,589
baseline
▲ 0.50% · 4.625%
HK$56,414
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,178/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,318
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,685/mo
Today · 4.125%
HK$56,662
baseline
▲ 0.50% · 4.625%
HK$60,110
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,324/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,316
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,907
−HK$1,614/mo
Today · 4.125%
HK$62,521
baseline
▲ 0.50% · 4.625%
HK$65,816
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,042/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,552
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$2,166/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$77,284
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,075/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$84,621
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,321 · Scale 2, in force from 26 Feb 2026)