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$38,102
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,204/mo
Today · 4.125%
HK$40,491
baseline
▲ 0.50% · 4.625%
HK$42,955
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,982/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,388
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,153/mo
Today · 4.125%
HK$44,678
baseline
▲ 0.50% · 4.625%
HK$47,033
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,356/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,723
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,445/mo
Today · 4.125%
HK$48,590
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,180/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,866
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,230
−HK$1,384/mo
Today · 4.125%
HK$53,614
baseline
▲ 0.50% · 4.625%
HK$56,440
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,228/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,343
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,002
−HK$1,686/mo
Today · 4.125%
HK$56,688
baseline
▲ 0.50% · 4.625%
HK$60,137
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,376/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,343
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,615/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$65,847
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,584
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,717
−HK$2,168/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,076/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,609 · Scale 2, in force from 26 Feb 2026)