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$2,389/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,204/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,504
−HK$1,152/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,010
+HK$2,354/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$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,444/mo
Today · 4.125%
HK$48,566
baseline
▲ 0.50% · 4.625%
HK$51,521
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,132/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,841
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,205
−HK$1,383/mo
Today · 4.125%
HK$53,588
baseline
▲ 0.50% · 4.625%
HK$56,412
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,176/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,317
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,975
−HK$1,685/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$60,108
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,320/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,315
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,614/mo
Today · 4.125%
HK$62,519
baseline
▲ 0.50% · 4.625%
HK$65,815
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,038/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,550
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$2,166/mo
Today · 4.125%
HK$72,849
baseline
▲ 0.50% · 4.625%
HK$77,282
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,698/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,307
−HK$2,075/mo
Today · 4.125%
HK$80,382
baseline
▲ 0.50% · 4.625%
HK$84,619
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,764/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,303 · Scale 2, in force from 26 Feb 2026)