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$40,140
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,269/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,214/mo
Today · 4.125%
HK$47,068
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,136/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,522/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$54,304
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,587
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,458/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,197
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,776/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$63,355
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,701/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,253
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$2,284/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$81,456
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,381
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,536
−HK$2,187/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,189
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,131 · Scale 2, in force from 26 Feb 2026)