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$40,136
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,268/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,651
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,214/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,163
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,662
−HK$1,522/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,581
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,458/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,191
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,938
−HK$1,776/mo
Today · 4.125%
HK$59,714
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,428/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,511
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,188
−HK$1,701/mo
Today · 4.125%
HK$65,889
baseline
▲ 0.50% · 4.625%
HK$69,362
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,778/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,245
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,492
−HK$2,283/mo
Today · 4.125%
HK$76,775
baseline
▲ 0.50% · 4.625%
HK$81,447
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,550/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,372
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,527
−HK$2,187/mo
Today · 4.125%
HK$84,714
baseline
▲ 0.50% · 4.625%
HK$89,180
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,428/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,060 · Scale 2, in force from 26 Feb 2026)