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$39,241
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,462
−HK$1,240/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$44,240
+HK$2,538/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,656
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,827
−HK$1,187/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,426/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,028/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,090
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,555
−HK$1,488/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$53,088
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,387
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,792
−HK$1,425/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,128
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,938
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,647
−HK$1,736/mo
Today · 4.125%
HK$58,383
baseline
▲ 0.50% · 4.625%
HK$61,936
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,766/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,118
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,757
−HK$1,663/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,635
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,832
−HK$2,232/mo
Today · 4.125%
HK$75,064
baseline
▲ 0.50% · 4.625%
HK$79,632
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,128/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,580
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,688
−HK$2,138/mo
Today · 4.125%
HK$82,826
baseline
▲ 0.50% · 4.625%
HK$87,192
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,652/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,347 · Scale 2, in force from 26 Feb 2026)