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$39,203
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,422
−HK$1,239/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,322/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,187/mo
Today · 4.125%
HK$45,969
baseline
▲ 0.50% · 4.625%
HK$48,392
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,938/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,043
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,507
−HK$1,486/mo
Today · 4.125%
HK$49,993
baseline
▲ 0.50% · 4.625%
HK$53,035
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,986/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,335
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,739
−HK$1,424/mo
Today · 4.125%
HK$55,163
baseline
▲ 0.50% · 4.625%
HK$58,070
+HK$2,907/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,326/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,735/mo
Today · 4.125%
HK$58,326
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,652/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,058
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,661/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,565
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,760
−HK$2,230/mo
Today · 4.125%
HK$74,990
baseline
▲ 0.50% · 4.625%
HK$79,553
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,980/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,503
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,608
−HK$2,136/mo
Today · 4.125%
HK$82,744
baseline
▲ 0.50% · 4.625%
HK$87,106
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,488/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,710 · Scale 2, in force from 26 Feb 2026)