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$39,207
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,239/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$44,201
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,617
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,787
−HK$1,187/mo
Today · 4.125%
HK$45,974
baseline
▲ 0.50% · 4.625%
HK$48,397
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,948/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,048
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,486/mo
Today · 4.125%
HK$49,998
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,996/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,340
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,744
−HK$1,424/mo
Today · 4.125%
HK$55,168
baseline
▲ 0.50% · 4.625%
HK$58,076
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,336/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,889
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,734/mo
Today · 4.125%
HK$58,331
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,662/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,064
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,702
−HK$1,661/mo
Today · 4.125%
HK$64,363
baseline
▲ 0.50% · 4.625%
HK$67,756
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,726/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,572
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,767
−HK$2,231/mo
Today · 4.125%
HK$74,998
baseline
▲ 0.50% · 4.625%
HK$79,561
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,996/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,511
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,136/mo
Today · 4.125%
HK$82,752
baseline
▲ 0.50% · 4.625%
HK$87,114
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,504/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,775 · Scale 2, in force from 26 Feb 2026)