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$40,131
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,380
−HK$1,268/mo
Today · 4.125%
HK$42,648
baseline
▲ 0.50% · 4.625%
HK$45,243
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,296/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,646
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,843
−HK$1,215/mo
Today · 4.125%
HK$47,058
baseline
▲ 0.50% · 4.625%
HK$49,538
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,116/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,158
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,522/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,575
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,457/mo
Today · 4.125%
HK$56,469
baseline
▲ 0.50% · 4.625%
HK$59,446
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,938/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,184
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,932
−HK$1,775/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$63,340
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,701/mo
Today · 4.125%
HK$65,881
baseline
▲ 0.50% · 4.625%
HK$69,354
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,762/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,237
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,483
−HK$2,283/mo
Today · 4.125%
HK$76,766
baseline
▲ 0.50% · 4.625%
HK$81,437
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,532/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,362
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,518
−HK$2,186/mo
Today · 4.125%
HK$84,704
baseline
▲ 0.50% · 4.625%
HK$89,169
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,408/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,982 · Scale 2, in force from 26 Feb 2026)