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$40,112
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,267/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,214/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,514
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,521/mo
Today · 4.125%
HK$51,153
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,306/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,549
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,457/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,417
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,157
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,774/mo
Today · 4.125%
HK$59,678
baseline
▲ 0.50% · 4.625%
HK$63,310
+HK$3,632/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,356/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,474
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,149
−HK$1,700/mo
Today · 4.125%
HK$65,849
baseline
▲ 0.50% · 4.625%
HK$69,320
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,698/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,202
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,447
−HK$2,282/mo
Today · 4.125%
HK$76,729
baseline
▲ 0.50% · 4.625%
HK$81,398
+HK$4,669/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,458/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,323
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,478
−HK$2,185/mo
Today · 4.125%
HK$84,663
baseline
▲ 0.50% · 4.625%
HK$89,126
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,326/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,663 · Scale 2, in force from 26 Feb 2026)