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$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,239/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,186/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,039
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,502
−HK$1,486/mo
Today · 4.125%
HK$49,988
baseline
▲ 0.50% · 4.625%
HK$53,030
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,976/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,330
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,733
−HK$1,424/mo
Today · 4.125%
HK$55,157
baseline
▲ 0.50% · 4.625%
HK$58,065
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,314/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,878
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,585
−HK$1,735/mo
Today · 4.125%
HK$58,320
baseline
▲ 0.50% · 4.625%
HK$61,868
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,640/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,052
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,661/mo
Today · 4.125%
HK$64,350
baseline
▲ 0.50% · 4.625%
HK$67,742
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,700/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,558
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$2,230/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$79,545
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,495
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,600
−HK$2,136/mo
Today · 4.125%
HK$82,736
baseline
▲ 0.50% · 4.625%
HK$87,097
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,646 · Scale 2, in force from 26 Feb 2026)