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$38,077
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,203/mo
Today · 4.125%
HK$40,465
baseline
▲ 0.50% · 4.625%
HK$42,927
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,930/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,152/mo
Today · 4.125%
HK$44,649
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,298/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,444/mo
Today · 4.125%
HK$48,558
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,116/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,383/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,403
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,308
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,966
−HK$1,685/mo
Today · 4.125%
HK$56,651
baseline
▲ 0.50% · 4.625%
HK$60,098
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,302/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,305
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,895
−HK$1,614/mo
Today · 4.125%
HK$62,509
baseline
▲ 0.50% · 4.625%
HK$65,804
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,018/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,539
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$2,166/mo
Today · 4.125%
HK$72,837
baseline
▲ 0.50% · 4.625%
HK$77,269
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,674/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,249
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,074/mo
Today · 4.125%
HK$80,368
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,736/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,200 · Scale 2, in force from 26 Feb 2026)