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$38,057
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,202/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,152/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,353/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,443/mo
Today · 4.125%
HK$48,532
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,064/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,382/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,684/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$60,066
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,273
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,863
−HK$1,613/mo
Today · 4.125%
HK$62,476
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,952/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,503
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,633
−HK$2,165/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,208
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,074/mo
Today · 4.125%
HK$80,326
baseline
▲ 0.50% · 4.625%
HK$84,560
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,652/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,867 · Scale 2, in force from 26 Feb 2026)