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$40,141
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,390
−HK$1,268/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$45,254
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,657
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,215/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,522/mo
Today · 4.125%
HK$51,190
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,380/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,588
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,025
−HK$1,458/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,776/mo
Today · 4.125%
HK$59,722
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,444/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,519
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,701/mo
Today · 4.125%
HK$65,897
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,473/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,794/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,254
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,502
−HK$2,283/mo
Today · 4.125%
HK$76,785
baseline
▲ 0.50% · 4.625%
HK$81,457
+HK$4,672/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,570/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,382
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,538
−HK$2,187/mo
Today · 4.125%
HK$84,725
baseline
▲ 0.50% · 4.625%
HK$89,191
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,450/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,142 · Scale 2, in force from 26 Feb 2026)