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$40,148
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,397
−HK$1,269/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$45,262
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,664
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,862
−HK$1,215/mo
Today · 4.125%
HK$47,077
baseline
▲ 0.50% · 4.625%
HK$49,559
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,154/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,178
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,676
−HK$1,523/mo
Today · 4.125%
HK$51,199
baseline
▲ 0.50% · 4.625%
HK$54,314
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,398/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,597
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,035
−HK$1,458/mo
Today · 4.125%
HK$56,493
baseline
▲ 0.50% · 4.625%
HK$59,471
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,986/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,207
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,776/mo
Today · 4.125%
HK$59,732
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,464/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,530
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,207
−HK$1,701/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,382
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,514
−HK$2,284/mo
Today · 4.125%
HK$76,798
baseline
▲ 0.50% · 4.625%
HK$81,471
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,596/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,396
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,552
−HK$2,187/mo
Today · 4.125%
HK$84,739
baseline
▲ 0.50% · 4.625%
HK$89,206
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,478/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,257 · Scale 2, in force from 26 Feb 2026)