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$39,227
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,240/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$44,223
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,187/mo
Today · 4.125%
HK$45,997
baseline
▲ 0.50% · 4.625%
HK$48,422
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,994/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,072
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,488/mo
Today · 4.125%
HK$50,024
baseline
▲ 0.50% · 4.625%
HK$53,068
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,048/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,367
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,772
−HK$1,424/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,106
+HK$2,910/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,917
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,735/mo
Today · 4.125%
HK$58,361
baseline
▲ 0.50% · 4.625%
HK$61,912
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,722/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,095
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,734
−HK$1,662/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$67,790
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,608
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,804
−HK$2,232/mo
Today · 4.125%
HK$75,036
baseline
▲ 0.50% · 4.625%
HK$79,601
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,072/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,551
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,657
−HK$2,138/mo
Today · 4.125%
HK$82,795
baseline
▲ 0.50% · 4.625%
HK$87,159
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,590/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,103 · Scale 2, in force from 26 Feb 2026)