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$37,934
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,114
−HK$1,199/mo
Today · 4.125%
HK$40,313
baseline
▲ 0.50% · 4.625%
HK$42,766
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,626/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,333
−HK$1,148/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$46,826
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,521
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,937
−HK$1,439/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$51,319
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,642
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,000
−HK$1,378/mo
Today · 4.125%
HK$53,378
baseline
▲ 0.50% · 4.625%
HK$56,191
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,756/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,760
−HK$1,678/mo
Today · 4.125%
HK$56,438
baseline
▲ 0.50% · 4.625%
HK$59,872
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,876/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,082
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,607/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$65,557
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,282
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,406
−HK$2,158/mo
Today · 4.125%
HK$72,564
baseline
▲ 0.50% · 4.625%
HK$76,979
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,128/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,963
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,000
−HK$2,067/mo
Today · 4.125%
HK$80,067
baseline
▲ 0.50% · 4.625%
HK$84,287
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,134/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,849 · Scale 2, in force from 26 Feb 2026)