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$38,044
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,202/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,889
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,323
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,458
−HK$1,152/mo
Today · 4.125%
HK$44,610
baseline
▲ 0.50% · 4.625%
HK$46,961
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,220/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,653
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,442/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,467
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,788
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,150
−HK$1,382/mo
Today · 4.125%
HK$53,532
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,064/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,261
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,918
−HK$1,683/mo
Today · 4.125%
HK$56,601
baseline
▲ 0.50% · 4.625%
HK$60,045
+HK$3,444/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,202/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,253
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,842
−HK$1,612/mo
Today · 4.125%
HK$62,454
baseline
▲ 0.50% · 4.625%
HK$65,746
+HK$3,292/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,908/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,479
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,609
−HK$2,164/mo
Today · 4.125%
HK$72,773
baseline
▲ 0.50% · 4.625%
HK$77,201
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,546/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,182
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,225
−HK$2,073/mo
Today · 4.125%
HK$80,298
baseline
▲ 0.50% · 4.625%
HK$84,530
+HK$4,232/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,596/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,650 · Scale 2, in force from 26 Feb 2026)