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$38,106
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,205/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,392
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,529
−HK$1,154/mo
Today · 4.125%
HK$44,683
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,366/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,150
−HK$1,445/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,551
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,235
−HK$1,384/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,446
+HK$2,827/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,348
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,008
−HK$1,686/mo
Today · 4.125%
HK$56,694
baseline
▲ 0.50% · 4.625%
HK$60,143
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,388/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,941
−HK$1,615/mo
Today · 4.125%
HK$62,556
baseline
▲ 0.50% · 4.625%
HK$65,853
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,112/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,591
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$2,168/mo
Today · 4.125%
HK$72,892
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,784/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,306
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,353
−HK$2,076/mo
Today · 4.125%
HK$80,429
baseline
▲ 0.50% · 4.625%
HK$84,669
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,858/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,673 · Scale 2, in force from 26 Feb 2026)