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$40,150
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,269/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,667
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,865
−HK$1,215/mo
Today · 4.125%
HK$47,080
baseline
▲ 0.50% · 4.625%
HK$49,561
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,160/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,180
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,522/mo
Today · 4.125%
HK$51,201
baseline
▲ 0.50% · 4.625%
HK$54,317
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,402/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,600
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,037
−HK$1,459/mo
Today · 4.125%
HK$56,496
baseline
▲ 0.50% · 4.625%
HK$59,474
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,992/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,210
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,959
−HK$1,776/mo
Today · 4.125%
HK$59,735
baseline
▲ 0.50% · 4.625%
HK$63,370
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,470/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,533
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,210
−HK$1,702/mo
Today · 4.125%
HK$65,912
baseline
▲ 0.50% · 4.625%
HK$69,386
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,824/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,270
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,518
−HK$2,284/mo
Today · 4.125%
HK$76,802
baseline
▲ 0.50% · 4.625%
HK$81,475
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,604/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,400
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,556
−HK$2,188/mo
Today · 4.125%
HK$84,744
baseline
▲ 0.50% · 4.625%
HK$89,211
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,488/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,290 · Scale 2, in force from 26 Feb 2026)