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$38,114
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,205/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,154/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,159
−HK$1,446/mo
Today · 4.125%
HK$48,605
baseline
▲ 0.50% · 4.625%
HK$51,562
+HK$2,957/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,210/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,881
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,246
−HK$1,384/mo
Today · 4.125%
HK$53,630
baseline
▲ 0.50% · 4.625%
HK$56,457
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,260/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,359
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,019
−HK$1,686/mo
Today · 4.125%
HK$56,705
baseline
▲ 0.50% · 4.625%
HK$60,156
+HK$3,451/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,410/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,362
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,615/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$65,867
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,605
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,739
−HK$2,168/mo
Today · 4.125%
HK$72,907
baseline
▲ 0.50% · 4.625%
HK$77,343
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,814/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,322
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,369
−HK$2,077/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$84,686
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,801 · Scale 2, in force from 26 Feb 2026)