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$39,224
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,444
−HK$1,239/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$44,220
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,188/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,418
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,533
−HK$1,487/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$53,064
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,363
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,768
−HK$1,424/mo
Today · 4.125%
HK$55,192
baseline
▲ 0.50% · 4.625%
HK$58,101
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,384/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,621
−HK$1,736/mo
Today · 4.125%
HK$58,357
baseline
▲ 0.50% · 4.625%
HK$61,908
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,714/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,090
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,729
−HK$1,662/mo
Today · 4.125%
HK$64,391
baseline
▲ 0.50% · 4.625%
HK$67,785
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,782/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,603
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,799
−HK$2,231/mo
Today · 4.125%
HK$75,030
baseline
▲ 0.50% · 4.625%
HK$79,596
+HK$4,566/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,060/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,545
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,651
−HK$2,137/mo
Today · 4.125%
HK$82,788
baseline
▲ 0.50% · 4.625%
HK$87,152
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,576/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,055 · Scale 2, in force from 26 Feb 2026)