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$40,151
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,269/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$45,265
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,667
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,865
−HK$1,216/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,562
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,181
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,680
−HK$1,522/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$54,318
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,601
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,038
−HK$1,459/mo
Today · 4.125%
HK$56,497
baseline
▲ 0.50% · 4.625%
HK$59,475
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,994/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,211
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,960
−HK$1,776/mo
Today · 4.125%
HK$59,736
baseline
▲ 0.50% · 4.625%
HK$63,371
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,472/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,534
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,212
−HK$1,701/mo
Today · 4.125%
HK$65,913
baseline
▲ 0.50% · 4.625%
HK$69,387
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,826/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,272
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,520
−HK$2,284/mo
Today · 4.125%
HK$76,804
baseline
▲ 0.50% · 4.625%
HK$81,477
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,608/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,401
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,558
−HK$2,187/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,303 · Scale 2, in force from 26 Feb 2026)