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$39,207
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,427
−HK$1,239/mo
Today · 4.125%
HK$41,666
baseline
▲ 0.50% · 4.625%
HK$44,201
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,332/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,787
−HK$1,187/mo
Today · 4.125%
HK$45,974
baseline
▲ 0.50% · 4.625%
HK$48,398
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,948/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,049
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,487/mo
Today · 4.125%
HK$49,999
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,998/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,424/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,890
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,598
−HK$1,734/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,702
−HK$1,662/mo
Today · 4.125%
HK$64,364
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,728/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,573
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,768
−HK$2,231/mo
Today · 4.125%
HK$74,999
baseline
▲ 0.50% · 4.625%
HK$79,562
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,998/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,512
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,617
−HK$2,137/mo
Today · 4.125%
HK$82,754
baseline
▲ 0.50% · 4.625%
HK$87,116
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,508/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,784 · Scale 2, in force from 26 Feb 2026)