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$40,122
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,268/mo
Today · 4.125%
HK$42,638
baseline
▲ 0.50% · 4.625%
HK$45,232
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,276/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,635
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,832
−HK$1,214/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,526
+HK$2,480/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,146
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,643
−HK$1,522/mo
Today · 4.125%
HK$51,165
baseline
▲ 0.50% · 4.625%
HK$54,278
+HK$3,113/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,330/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,562
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,458/mo
Today · 4.125%
HK$56,456
baseline
▲ 0.50% · 4.625%
HK$59,431
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,912/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,917
−HK$1,776/mo
Today · 4.125%
HK$59,693
baseline
▲ 0.50% · 4.625%
HK$63,325
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,386/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,489
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,165
−HK$1,700/mo
Today · 4.125%
HK$65,865
baseline
▲ 0.50% · 4.625%
HK$69,337
+HK$3,472/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,730/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,219
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,465
−HK$2,283/mo
Today · 4.125%
HK$76,748
baseline
▲ 0.50% · 4.625%
HK$81,417
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,496/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,343
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,497
−HK$2,186/mo
Today · 4.125%
HK$84,683
baseline
▲ 0.50% · 4.625%
HK$89,147
+HK$4,464/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,366/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,820 · Scale 2, in force from 26 Feb 2026)