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$40,114
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,362
−HK$1,268/mo
Today · 4.125%
HK$42,630
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,260/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,627
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,215/mo
Today · 4.125%
HK$47,038
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,076/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,137
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,634
−HK$1,522/mo
Today · 4.125%
HK$51,156
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,312/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,552
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,988
−HK$1,457/mo
Today · 4.125%
HK$56,445
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,890/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,160
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,907
−HK$1,774/mo
Today · 4.125%
HK$59,681
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,362/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,153
−HK$1,700/mo
Today · 4.125%
HK$65,853
baseline
▲ 0.50% · 4.625%
HK$69,324
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,706/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,205
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,451
−HK$2,282/mo
Today · 4.125%
HK$76,733
baseline
▲ 0.50% · 4.625%
HK$81,402
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,466/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,328
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,186/mo
Today · 4.125%
HK$84,668
baseline
▲ 0.50% · 4.625%
HK$89,131
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,336/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,697 · Scale 2, in force from 26 Feb 2026)