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$38,091
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,276
−HK$1,204/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,376
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,131
−HK$1,445/mo
Today · 4.125%
HK$48,576
baseline
▲ 0.50% · 4.625%
HK$51,532
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,152/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,215
−HK$1,384/mo
Today · 4.125%
HK$53,599
baseline
▲ 0.50% · 4.625%
HK$56,424
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,198/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,328
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,987
−HK$1,685/mo
Today · 4.125%
HK$56,672
baseline
▲ 0.50% · 4.625%
HK$60,120
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,344/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,327
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,918
−HK$1,614/mo
Today · 4.125%
HK$62,532
baseline
▲ 0.50% · 4.625%
HK$65,828
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,064/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,564
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,697
−HK$2,167/mo
Today · 4.125%
HK$72,864
baseline
▲ 0.50% · 4.625%
HK$77,298
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,728/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,277
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,323
−HK$2,075/mo
Today · 4.125%
HK$80,398
baseline
▲ 0.50% · 4.625%
HK$84,636
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,796/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,433 · Scale 2, in force from 26 Feb 2026)