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$40,134
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,268/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,649
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,215/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,542
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,522/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,579
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,016
−HK$1,457/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,188
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,775/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,185
−HK$1,700/mo
Today · 4.125%
HK$65,885
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,770/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,241
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,489
−HK$2,283/mo
Today · 4.125%
HK$76,772
baseline
▲ 0.50% · 4.625%
HK$81,443
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,544/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,368
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,523
−HK$2,187/mo
Today · 4.125%
HK$84,710
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,420/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,027 · Scale 2, in force from 26 Feb 2026)