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$40,136
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,269/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,595/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,651
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,215/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,163
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,661
−HK$1,522/mo
Today · 4.125%
HK$51,183
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,366/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,581
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,458/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,190
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,938
−HK$1,776/mo
Today · 4.125%
HK$59,714
baseline
▲ 0.50% · 4.625%
HK$63,347
+HK$3,633/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,428/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,511
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,187
−HK$1,701/mo
Today · 4.125%
HK$65,888
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,776/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,244
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,492
−HK$2,283/mo
Today · 4.125%
HK$76,775
baseline
▲ 0.50% · 4.625%
HK$81,446
+HK$4,671/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,550/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,371
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,527
−HK$2,186/mo
Today · 4.125%
HK$84,713
baseline
▲ 0.50% · 4.625%
HK$89,179
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,426/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,055 · Scale 2, in force from 26 Feb 2026)