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$40,153
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,269/mo
Today · 4.125%
HK$42,671
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,597/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,342/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,670
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,215/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,565
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,522/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,458/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,963
−HK$1,777/mo
Today · 4.125%
HK$59,740
baseline
▲ 0.50% · 4.625%
HK$63,375
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,480/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,538
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,215
−HK$1,702/mo
Today · 4.125%
HK$65,917
baseline
▲ 0.50% · 4.625%
HK$69,391
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,834/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,276
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,524
−HK$2,284/mo
Today · 4.125%
HK$76,808
baseline
▲ 0.50% · 4.625%
HK$81,482
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,616/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,406
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,563
−HK$2,187/mo
Today · 4.125%
HK$84,750
baseline
▲ 0.50% · 4.625%
HK$89,217
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,500/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,341 · Scale 2, in force from 26 Feb 2026)