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$38,083
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,204/mo
Today · 4.125%
HK$40,471
baseline
▲ 0.50% · 4.625%
HK$42,933
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,942/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,367
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,503
−HK$1,153/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,009
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,312/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,699
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,444/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,520
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,840
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,203
−HK$1,384/mo
Today · 4.125%
HK$53,587
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,174/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,974
−HK$1,685/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$60,107
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,313
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,904
−HK$1,614/mo
Today · 4.125%
HK$62,518
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,036/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,681
−HK$2,166/mo
Today · 4.125%
HK$72,847
baseline
▲ 0.50% · 4.625%
HK$77,280
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,694/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,260
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,305
−HK$2,075/mo
Today · 4.125%
HK$80,380
baseline
▲ 0.50% · 4.625%
HK$84,617
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,760/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,290 · Scale 2, in force from 26 Feb 2026)