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$40,143
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,392
−HK$1,269/mo
Today · 4.125%
HK$42,661
baseline
▲ 0.50% · 4.625%
HK$45,257
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,322/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,659
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,857
−HK$1,215/mo
Today · 4.125%
HK$47,072
baseline
▲ 0.50% · 4.625%
HK$49,553
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,144/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,670
−HK$1,523/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,591
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,458/mo
Today · 4.125%
HK$56,486
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,972/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,201
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,949
−HK$1,776/mo
Today · 4.125%
HK$59,725
baseline
▲ 0.50% · 4.625%
HK$63,359
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,450/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,523
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,701/mo
Today · 4.125%
HK$65,901
baseline
▲ 0.50% · 4.625%
HK$69,374
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,802/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,258
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,506
−HK$2,283/mo
Today · 4.125%
HK$76,789
baseline
▲ 0.50% · 4.625%
HK$81,462
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,578/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,386
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,542
−HK$2,187/mo
Today · 4.125%
HK$84,729
baseline
▲ 0.50% · 4.625%
HK$89,196
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,458/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,179 · Scale 2, in force from 26 Feb 2026)