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$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,214/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,144
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,642
−HK$1,521/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$54,276
+HK$3,113/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,560
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,996
−HK$1,457/mo
Today · 4.125%
HK$56,453
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,906/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,168
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,915
−HK$1,775/mo
Today · 4.125%
HK$59,690
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,380/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,486
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,162
−HK$1,700/mo
Today · 4.125%
HK$65,862
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,724/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,216
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$2,283/mo
Today · 4.125%
HK$76,745
baseline
▲ 0.50% · 4.625%
HK$81,414
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,490/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,340
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,494
−HK$2,186/mo
Today · 4.125%
HK$84,680
baseline
▲ 0.50% · 4.625%
HK$89,144
+HK$4,464/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,360/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,794 · Scale 2, in force from 26 Feb 2026)