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$38,101
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,204/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,387
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,153/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,445/mo
Today · 4.125%
HK$48,588
baseline
▲ 0.50% · 4.625%
HK$51,545
+HK$2,957/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,176/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,864
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,228
−HK$1,384/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,341
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,000
−HK$1,686/mo
Today · 4.125%
HK$56,686
baseline
▲ 0.50% · 4.625%
HK$60,135
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,372/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,342
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,615/mo
Today · 4.125%
HK$62,548
baseline
▲ 0.50% · 4.625%
HK$65,845
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,096/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,582
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,715
−HK$2,167/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$77,317
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,296
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,342
−HK$2,076/mo
Today · 4.125%
HK$80,418
baseline
▲ 0.50% · 4.625%
HK$84,657
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,836/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,589 · Scale 2, in force from 26 Feb 2026)