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$40,117
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,268/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,214/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,520
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,140
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,638
−HK$1,521/mo
Today · 4.125%
HK$51,159
baseline
▲ 0.50% · 4.625%
HK$54,272
+HK$3,113/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,318/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,555
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,992
−HK$1,457/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,424
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,775/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$63,317
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,481
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,700/mo
Today · 4.125%
HK$65,857
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,714/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,210
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$2,283/mo
Today · 4.125%
HK$76,739
baseline
▲ 0.50% · 4.625%
HK$81,408
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,478/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,333
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,488
−HK$2,185/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,137
+HK$4,464/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,743 · Scale 2, in force from 26 Feb 2026)