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$40,132
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,268/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$45,244
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,647
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,844
−HK$1,215/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,159
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,657
−HK$1,522/mo
Today · 4.125%
HK$51,179
baseline
▲ 0.50% · 4.625%
HK$54,293
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,358/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,576
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,013
−HK$1,458/mo
Today · 4.125%
HK$56,471
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,942/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,185
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,933
−HK$1,776/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$63,342
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,701/mo
Today · 4.125%
HK$65,883
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,766/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,238
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,485
−HK$2,283/mo
Today · 4.125%
HK$76,768
baseline
▲ 0.50% · 4.625%
HK$81,439
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,536/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,364
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,520
−HK$2,186/mo
Today · 4.125%
HK$84,706
baseline
▲ 0.50% · 4.625%
HK$89,171
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,412/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,998 · Scale 2, in force from 26 Feb 2026)