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$39,239
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,240/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,824
−HK$1,188/mo
Today · 4.125%
HK$46,012
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,024/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,087
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,552
−HK$1,488/mo
Today · 4.125%
HK$50,040
baseline
▲ 0.50% · 4.625%
HK$53,085
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,080/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,789
−HK$1,425/mo
Today · 4.125%
HK$55,214
baseline
▲ 0.50% · 4.625%
HK$58,125
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,428/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,736/mo
Today · 4.125%
HK$58,380
baseline
▲ 0.50% · 4.625%
HK$61,932
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,760/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,115
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,663/mo
Today · 4.125%
HK$64,417
baseline
▲ 0.50% · 4.625%
HK$67,812
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,834/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,631
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,828
−HK$2,232/mo
Today · 4.125%
HK$75,060
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$4,567/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,120/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,137/mo
Today · 4.125%
HK$82,821
baseline
▲ 0.50% · 4.625%
HK$87,187
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,642/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,312 · Scale 2, in force from 26 Feb 2026)