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$40,124
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,372
−HK$1,268/mo
Today · 4.125%
HK$42,640
baseline
▲ 0.50% · 4.625%
HK$45,235
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,280/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,638
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,835
−HK$1,214/mo
Today · 4.125%
HK$47,049
baseline
▲ 0.50% · 4.625%
HK$49,529
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,098/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,149
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,522/mo
Today · 4.125%
HK$51,168
baseline
▲ 0.50% · 4.625%
HK$54,282
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,336/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,565
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,002
−HK$1,457/mo
Today · 4.125%
HK$56,459
baseline
▲ 0.50% · 4.625%
HK$59,435
+HK$2,976/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,918/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,174
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,921
−HK$1,775/mo
Today · 4.125%
HK$59,696
baseline
▲ 0.50% · 4.625%
HK$63,329
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,392/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,493
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,169
−HK$1,700/mo
Today · 4.125%
HK$65,869
baseline
▲ 0.50% · 4.625%
HK$69,341
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,738/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,470
−HK$2,282/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,670/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,348
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,502
−HK$2,186/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,153
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,860 · Scale 2, in force from 26 Feb 2026)