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$40,127
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,268/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$45,238
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,640
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,214/mo
Today · 4.125%
HK$47,052
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,104/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,152
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,650
−HK$1,521/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,568
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,458/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,439
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,177
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,925
−HK$1,775/mo
Today · 4.125%
HK$59,700
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,400/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,497
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,700/mo
Today · 4.125%
HK$65,873
baseline
▲ 0.50% · 4.625%
HK$69,345
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,746/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,228
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,474
−HK$2,283/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$81,428
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,353
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,508
−HK$2,186/mo
Today · 4.125%
HK$84,694
baseline
▲ 0.50% · 4.625%
HK$89,158
+HK$4,464/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,388/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,902 · Scale 2, in force from 26 Feb 2026)