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$38,090
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,203/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,375
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,511
−HK$1,153/mo
Today · 4.125%
HK$44,664
baseline
▲ 0.50% · 4.625%
HK$47,018
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,328/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,444/mo
Today · 4.125%
HK$48,574
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,148/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,850
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,213
−HK$1,384/mo
Today · 4.125%
HK$53,597
baseline
▲ 0.50% · 4.625%
HK$56,422
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,194/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,685/mo
Today · 4.125%
HK$56,670
baseline
▲ 0.50% · 4.625%
HK$60,118
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,340/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,614/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,694
−HK$2,167/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$77,295
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,274
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,075/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$84,633
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,409 · Scale 2, in force from 26 Feb 2026)