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$38,047
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,231
−HK$1,202/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,893
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,152/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$46,965
+HK$2,351/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,442/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,953/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,381/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,266
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,923
−HK$1,683/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$60,050
+HK$3,444/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,258
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,847
−HK$1,612/mo
Today · 4.125%
HK$62,459
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,918/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,485
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$2,164/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,558/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,232
−HK$2,073/mo
Today · 4.125%
HK$80,305
baseline
▲ 0.50% · 4.625%
HK$84,538
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,610/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,704 · Scale 2, in force from 26 Feb 2026)