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$38,058
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,203/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,152/mo
Today · 4.125%
HK$44,627
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,352/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,254/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,443/mo
Today · 4.125%
HK$48,534
baseline
▲ 0.50% · 4.625%
HK$51,487
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,068/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,807
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,170
−HK$1,382/mo
Today · 4.125%
HK$53,552
baseline
▲ 0.50% · 4.625%
HK$56,375
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,104/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,684/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$60,068
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,275
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,865
−HK$1,613/mo
Today · 4.125%
HK$62,478
baseline
▲ 0.50% · 4.625%
HK$65,771
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,956/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,505
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,636
−HK$2,165/mo
Today · 4.125%
HK$72,801
baseline
▲ 0.50% · 4.625%
HK$77,231
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,602/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,211
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,255
−HK$2,074/mo
Today · 4.125%
HK$80,329
baseline
▲ 0.50% · 4.625%
HK$84,563
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,658/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,890 · Scale 2, in force from 26 Feb 2026)