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$38,052
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,203/mo
Today · 4.125%
HK$40,438
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,876/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,152/mo
Today · 4.125%
HK$44,619
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,238/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,443/mo
Today · 4.125%
HK$48,525
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,953/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,050/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,799
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,161
−HK$1,382/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,929
−HK$1,684/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$60,058
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,265
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,613/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,493
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,624
−HK$2,164/mo
Today · 4.125%
HK$72,788
baseline
▲ 0.50% · 4.625%
HK$77,217
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,576/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,198
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,241
−HK$2,074/mo
Today · 4.125%
HK$80,315
baseline
▲ 0.50% · 4.625%
HK$84,548
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,630/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,781 · Scale 2, in force from 26 Feb 2026)