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$40,110
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,358
−HK$1,267/mo
Today · 4.125%
HK$42,625
baseline
▲ 0.50% · 4.625%
HK$45,219
+HK$2,594/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,250/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,214/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,479/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,522/mo
Today · 4.125%
HK$51,151
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,302/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,457/mo
Today · 4.125%
HK$56,440
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,880/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,154
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,775/mo
Today · 4.125%
HK$59,676
baseline
▲ 0.50% · 4.625%
HK$63,307
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,352/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,471
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,700/mo
Today · 4.125%
HK$65,846
baseline
▲ 0.50% · 4.625%
HK$69,317
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,692/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,198
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,444
−HK$2,282/mo
Today · 4.125%
HK$76,726
baseline
▲ 0.50% · 4.625%
HK$81,394
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,452/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,320
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,474
−HK$2,185/mo
Today · 4.125%
HK$84,659
baseline
▲ 0.50% · 4.625%
HK$89,122
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,318/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,633 · Scale 2, in force from 26 Feb 2026)