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$39,220
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,440
−HK$1,240/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,802
−HK$1,187/mo
Today · 4.125%
HK$45,989
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,978/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,064
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,528
−HK$1,488/mo
Today · 4.125%
HK$50,016
baseline
▲ 0.50% · 4.625%
HK$53,059
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,032/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,358
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,763
−HK$1,424/mo
Today · 4.125%
HK$55,187
baseline
▲ 0.50% · 4.625%
HK$58,096
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,374/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,908
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,616
−HK$1,736/mo
Today · 4.125%
HK$58,352
baseline
▲ 0.50% · 4.625%
HK$61,902
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,704/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,085
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,723
−HK$1,662/mo
Today · 4.125%
HK$64,385
baseline
▲ 0.50% · 4.625%
HK$67,779
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,770/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,596
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,792
−HK$2,231/mo
Today · 4.125%
HK$75,023
baseline
▲ 0.50% · 4.625%
HK$79,588
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,046/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,538
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,644
−HK$2,137/mo
Today · 4.125%
HK$82,781
baseline
▲ 0.50% · 4.625%
HK$87,144
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,562/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,997 · Scale 2, in force from 26 Feb 2026)