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$40,138
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,268/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$45,251
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,654
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,215/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,547
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,166
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,664
−HK$1,523/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$54,301
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,584
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,021
−HK$1,458/mo
Today · 4.125%
HK$56,479
baseline
▲ 0.50% · 4.625%
HK$59,456
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,958/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,194
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,942
−HK$1,776/mo
Today · 4.125%
HK$59,718
baseline
▲ 0.50% · 4.625%
HK$63,351
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,436/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,515
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,700/mo
Today · 4.125%
HK$65,892
baseline
▲ 0.50% · 4.625%
HK$69,366
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,784/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,249
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,496
−HK$2,284/mo
Today · 4.125%
HK$76,780
baseline
▲ 0.50% · 4.625%
HK$81,452
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,560/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,376
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,532
−HK$2,187/mo
Today · 4.125%
HK$84,719
baseline
▲ 0.50% · 4.625%
HK$89,185
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,438/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,097 · Scale 2, in force from 26 Feb 2026)