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$40,128
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,376
−HK$1,268/mo
Today · 4.125%
HK$42,644
baseline
▲ 0.50% · 4.625%
HK$45,239
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,288/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,642
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,839
−HK$1,214/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,153
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,651
−HK$1,522/mo
Today · 4.125%
HK$51,173
baseline
▲ 0.50% · 4.625%
HK$54,287
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,346/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,570
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,457/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,440
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,179
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,926
−HK$1,776/mo
Today · 4.125%
HK$59,702
baseline
▲ 0.50% · 4.625%
HK$63,334
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,404/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,174
−HK$1,701/mo
Today · 4.125%
HK$65,875
baseline
▲ 0.50% · 4.625%
HK$69,347
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,750/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,230
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,477
−HK$2,282/mo
Today · 4.125%
HK$76,759
baseline
▲ 0.50% · 4.625%
HK$81,430
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,518/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,355
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,186/mo
Today · 4.125%
HK$84,696
baseline
▲ 0.50% · 4.625%
HK$89,161
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,392/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,921 · Scale 2, in force from 26 Feb 2026)