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$40,133
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,269/mo
Today · 4.125%
HK$42,650
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,300/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,648
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,215/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,160
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,658
−HK$1,522/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$54,294
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,577
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,014
−HK$1,458/mo
Today · 4.125%
HK$56,472
baseline
▲ 0.50% · 4.625%
HK$59,448
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,944/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,186
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,934
−HK$1,776/mo
Today · 4.125%
HK$59,710
baseline
▲ 0.50% · 4.625%
HK$63,343
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,420/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,507
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,183
−HK$1,701/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,356
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,239
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,486
−HK$2,283/mo
Today · 4.125%
HK$76,769
baseline
▲ 0.50% · 4.625%
HK$81,441
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,538/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,366
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,521
−HK$2,187/mo
Today · 4.125%
HK$84,708
baseline
▲ 0.50% · 4.625%
HK$89,173
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,416/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,008 · Scale 2, in force from 26 Feb 2026)