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$38,110
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,204/mo
Today · 4.125%
HK$40,499
baseline
▲ 0.50% · 4.625%
HK$42,964
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,998/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,534
−HK$1,153/mo
Today · 4.125%
HK$44,687
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,374/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,154
−HK$1,445/mo
Today · 4.125%
HK$48,599
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,198/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,876
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,385/mo
Today · 4.125%
HK$53,625
baseline
▲ 0.50% · 4.625%
HK$56,451
+HK$2,826/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,250/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,354
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,013
−HK$1,686/mo
Today · 4.125%
HK$56,699
baseline
▲ 0.50% · 4.625%
HK$60,149
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,398/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,355
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,947
−HK$1,615/mo
Today · 4.125%
HK$62,562
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,124/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,597
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,731
−HK$2,168/mo
Today · 4.125%
HK$72,899
baseline
▲ 0.50% · 4.625%
HK$77,335
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,798/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,314
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,361
−HK$2,076/mo
Today · 4.125%
HK$80,437
baseline
▲ 0.50% · 4.625%
HK$84,677
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,874/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,734 · Scale 2, in force from 26 Feb 2026)