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$40,118
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,267/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,631
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,828
−HK$1,214/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,141
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,639
−HK$1,521/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$54,273
+HK$3,113/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,557
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,993
−HK$1,457/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,165
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,912
−HK$1,775/mo
Today · 4.125%
HK$59,687
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,374/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,159
−HK$1,700/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,330
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,212
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,458
−HK$2,282/mo
Today · 4.125%
HK$76,740
baseline
▲ 0.50% · 4.625%
HK$81,410
+HK$4,670/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,480/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,335
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,490
−HK$2,185/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,139
+HK$4,464/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,758 · Scale 2, in force from 26 Feb 2026)