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$40,140
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,268/mo
Today · 4.125%
HK$42,657
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,314/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,215/mo
Today · 4.125%
HK$47,068
baseline
▲ 0.50% · 4.625%
HK$49,549
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,136/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,168
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,523/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$3,114/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,587
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,458/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,196
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,944
−HK$1,776/mo
Today · 4.125%
HK$59,720
baseline
▲ 0.50% · 4.625%
HK$63,354
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,440/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,194
−HK$1,701/mo
Today · 4.125%
HK$65,895
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,790/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,252
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$2,283/mo
Today · 4.125%
HK$76,783
baseline
▲ 0.50% · 4.625%
HK$81,455
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,566/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,380
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,536
−HK$2,187/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,188
+HK$4,465/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,126 · Scale 2, in force from 26 Feb 2026)