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$40,155
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,269/mo
Today · 4.125%
HK$42,673
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,597/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,346/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,215/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,567
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,186
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,523/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$54,323
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,606
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,044
−HK$1,459/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,481
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,217
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,776/mo
Today · 4.125%
HK$59,742
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,484/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,702/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,394
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,279
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,527
−HK$2,284/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$81,485
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,410
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,188/mo
Today · 4.125%
HK$84,754
baseline
▲ 0.50% · 4.625%
HK$89,221
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,508/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,369 · Scale 2, in force from 26 Feb 2026)