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$39,214
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,239/mo
Today · 4.125%
HK$41,673
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,346/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,625
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,795
−HK$1,187/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,057
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,521
−HK$1,487/mo
Today · 4.125%
HK$50,008
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,016/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,350
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,754
−HK$1,425/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,087
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,607
−HK$1,735/mo
Today · 4.125%
HK$58,342
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,684/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,075
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,713
−HK$1,662/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,585
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,781
−HK$2,231/mo
Today · 4.125%
HK$75,012
baseline
▲ 0.50% · 4.625%
HK$79,576
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,024/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,526
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,632
−HK$2,136/mo
Today · 4.125%
HK$82,768
baseline
▲ 0.50% · 4.625%
HK$87,131
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,897 · Scale 2, in force from 26 Feb 2026)