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$40,134
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,269/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,648
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,215/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,541
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,522/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,578
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,458/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,187
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,935
−HK$1,776/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$63,344
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,184
−HK$1,701/mo
Today · 4.125%
HK$65,885
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,770/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,241
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,488
−HK$2,283/mo
Today · 4.125%
HK$76,771
baseline
▲ 0.50% · 4.625%
HK$81,442
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,542/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,367
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,523
−HK$2,186/mo
Today · 4.125%
HK$84,709
baseline
▲ 0.50% · 4.625%
HK$89,174
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,418/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,022 · Scale 2, in force from 26 Feb 2026)