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$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,203/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,153/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,444/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,383/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,970
−HK$1,684/mo
Today · 4.125%
HK$56,654
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,308/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,899
−HK$1,613/mo
Today · 4.125%
HK$62,512
baseline
▲ 0.50% · 4.625%
HK$65,808
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,024/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,543
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,675
−HK$2,166/mo
Today · 4.125%
HK$72,841
baseline
▲ 0.50% · 4.625%
HK$77,274
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,682/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,074/mo
Today · 4.125%
HK$80,373
baseline
▲ 0.50% · 4.625%
HK$84,610
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,746/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,237 · Scale 2, in force from 26 Feb 2026)