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$40,146
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,268/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$45,259
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,662
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,215/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,556
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,175
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,523/mo
Today · 4.125%
HK$51,196
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,392/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,031
−HK$1,459/mo
Today · 4.125%
HK$56,490
baseline
▲ 0.50% · 4.625%
HK$59,467
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,980/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,204
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,777/mo
Today · 4.125%
HK$59,729
baseline
▲ 0.50% · 4.625%
HK$63,363
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,458/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,702/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,262
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,510
−HK$2,284/mo
Today · 4.125%
HK$76,794
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,588/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,391
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,547
−HK$2,187/mo
Today · 4.125%
HK$84,734
baseline
▲ 0.50% · 4.625%
HK$89,201
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,468/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,219 · Scale 2, in force from 26 Feb 2026)