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$39,218
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,437
−HK$1,240/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,629
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,799
−HK$1,187/mo
Today · 4.125%
HK$45,986
baseline
▲ 0.50% · 4.625%
HK$48,410
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,972/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,525
−HK$1,487/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$53,055
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,355
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,759
−HK$1,425/mo
Today · 4.125%
HK$55,184
baseline
▲ 0.50% · 4.625%
HK$58,092
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,368/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,905
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,612
−HK$1,736/mo
Today · 4.125%
HK$58,348
baseline
▲ 0.50% · 4.625%
HK$61,898
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,696/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,662/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$67,774
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,592
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,787
−HK$2,231/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$79,583
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,639
−HK$2,136/mo
Today · 4.125%
HK$82,775
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,550/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,954 · Scale 2, in force from 26 Feb 2026)