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$40,111
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,268/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$45,220
+HK$2,593/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,623
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,820
−HK$1,214/mo
Today · 4.125%
HK$47,034
baseline
▲ 0.50% · 4.625%
HK$49,513
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,068/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,631
−HK$1,521/mo
Today · 4.125%
HK$51,152
baseline
▲ 0.50% · 4.625%
HK$54,264
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,304/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,548
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,984
−HK$1,457/mo
Today · 4.125%
HK$56,441
baseline
▲ 0.50% · 4.625%
HK$59,416
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,882/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,156
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,903
−HK$1,774/mo
Today · 4.125%
HK$59,677
baseline
▲ 0.50% · 4.625%
HK$63,308
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,354/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,473
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,148
−HK$1,700/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,319
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,200
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,446
−HK$2,282/mo
Today · 4.125%
HK$76,728
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,456/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,322
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,476
−HK$2,186/mo
Today · 4.125%
HK$84,662
baseline
▲ 0.50% · 4.625%
HK$89,124
+HK$4,462/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,324/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,651 · Scale 2, in force from 26 Feb 2026)