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$38,101
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,204/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,387
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,153/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,445/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,545
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,384/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,342
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,001
−HK$1,686/mo
Today · 4.125%
HK$56,687
baseline
▲ 0.50% · 4.625%
HK$60,136
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,374/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,342
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,934
−HK$1,614/mo
Today · 4.125%
HK$62,548
baseline
▲ 0.50% · 4.625%
HK$65,845
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,096/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,582
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,715
−HK$2,168/mo
Today · 4.125%
HK$72,883
baseline
▲ 0.50% · 4.625%
HK$77,318
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,766/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,297
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,343
−HK$2,076/mo
Today · 4.125%
HK$80,419
baseline
▲ 0.50% · 4.625%
HK$84,658
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,838/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,594 · Scale 2, in force from 26 Feb 2026)