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$39,222
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,239/mo
Today · 4.125%
HK$41,681
baseline
▲ 0.50% · 4.625%
HK$44,217
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,362/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,634
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,804
−HK$1,187/mo
Today · 4.125%
HK$45,991
baseline
▲ 0.50% · 4.625%
HK$48,415
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,982/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,530
−HK$1,487/mo
Today · 4.125%
HK$50,017
baseline
▲ 0.50% · 4.625%
HK$53,061
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,034/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,360
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,765
−HK$1,424/mo
Today · 4.125%
HK$55,189
baseline
▲ 0.50% · 4.625%
HK$58,098
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,378/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,736/mo
Today · 4.125%
HK$58,354
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,708/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,662/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,599
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,795
−HK$2,231/mo
Today · 4.125%
HK$75,026
baseline
▲ 0.50% · 4.625%
HK$79,591
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,052/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,540
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,647
−HK$2,137/mo
Today · 4.125%
HK$82,784
baseline
▲ 0.50% · 4.625%
HK$87,147
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,568/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,020 · Scale 2, in force from 26 Feb 2026)