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$38,067
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,251
−HK$1,204/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,916
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,485
−HK$1,153/mo
Today · 4.125%
HK$44,638
baseline
▲ 0.50% · 4.625%
HK$46,990
+HK$2,352/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,276/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,681
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,443/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,383/mo
Today · 4.125%
HK$53,565
baseline
▲ 0.50% · 4.625%
HK$56,389
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,130/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,294
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,952
−HK$1,684/mo
Today · 4.125%
HK$56,636
baseline
▲ 0.50% · 4.625%
HK$60,082
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,272/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,289
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,879
−HK$1,614/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,521
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,653
−HK$2,165/mo
Today · 4.125%
HK$72,818
baseline
▲ 0.50% · 4.625%
HK$77,249
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,636/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,229
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,274
−HK$2,074/mo
Today · 4.125%
HK$80,348
baseline
▲ 0.50% · 4.625%
HK$84,583
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,696/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,038 · Scale 2, in force from 26 Feb 2026)