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$40,145
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,394
−HK$1,268/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,216/mo
Today · 4.125%
HK$47,074
baseline
▲ 0.50% · 4.625%
HK$49,555
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,148/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,174
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,523/mo
Today · 4.125%
HK$51,195
baseline
▲ 0.50% · 4.625%
HK$54,310
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,390/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,593
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,030
−HK$1,458/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,466
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,203
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,951
−HK$1,776/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,525
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,202
−HK$1,701/mo
Today · 4.125%
HK$65,903
baseline
▲ 0.50% · 4.625%
HK$69,377
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,806/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,261
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,508
−HK$2,284/mo
Today · 4.125%
HK$76,792
baseline
▲ 0.50% · 4.625%
HK$81,465
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,584/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,389
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,187/mo
Today · 4.125%
HK$84,732
baseline
▲ 0.50% · 4.625%
HK$89,199
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,464/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,203 · Scale 2, in force from 26 Feb 2026)