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$38,121
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,306
−HK$1,205/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,546
−HK$1,154/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,745
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,168
−HK$1,445/mo
Today · 4.125%
HK$48,613
baseline
▲ 0.50% · 4.625%
HK$51,571
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,226/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,891
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,256
−HK$1,384/mo
Today · 4.125%
HK$53,640
baseline
▲ 0.50% · 4.625%
HK$56,468
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,280/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,369
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,029
−HK$1,687/mo
Today · 4.125%
HK$56,716
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,432/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,372
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,965
−HK$1,615/mo
Today · 4.125%
HK$62,580
baseline
▲ 0.50% · 4.625%
HK$65,879
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,160/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,617
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,752
−HK$2,168/mo
Today · 4.125%
HK$72,920
baseline
▲ 0.50% · 4.625%
HK$77,357
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,840/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,336
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,383
−HK$2,077/mo
Today · 4.125%
HK$80,460
baseline
▲ 0.50% · 4.625%
HK$84,701
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,920/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,915 · Scale 2, in force from 26 Feb 2026)