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$38,072
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,256
−HK$1,204/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,921
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,355
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,491
−HK$1,152/mo
Today · 4.125%
HK$44,643
baseline
▲ 0.50% · 4.625%
HK$46,996
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,286/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,687
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,108
−HK$1,443/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,506
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,826
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,189
−HK$1,383/mo
Today · 4.125%
HK$53,572
baseline
▲ 0.50% · 4.625%
HK$56,396
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,144/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,301
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,684/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$60,090
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,297
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,613/mo
Today · 4.125%
HK$62,500
baseline
▲ 0.50% · 4.625%
HK$65,795
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,000/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$2,166/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,075/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,116 · Scale 2, in force from 26 Feb 2026)