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$40,142
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,269/mo
Today · 4.125%
HK$42,660
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,320/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,658
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,856
−HK$1,215/mo
Today · 4.125%
HK$47,071
baseline
▲ 0.50% · 4.625%
HK$49,552
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,142/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,171
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,522/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,589
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,027
−HK$1,458/mo
Today · 4.125%
HK$56,485
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,970/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,947
−HK$1,776/mo
Today · 4.125%
HK$59,723
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,446/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,521
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,701/mo
Today · 4.125%
HK$65,899
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,798/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,256
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,504
−HK$2,283/mo
Today · 4.125%
HK$76,787
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,574/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,384
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,540
−HK$2,187/mo
Today · 4.125%
HK$84,727
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,454/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,161 · Scale 2, in force from 26 Feb 2026)