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$39,212
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,239/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,622
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,187/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,518
−HK$1,487/mo
Today · 4.125%
HK$50,005
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,010/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,347
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,751
−HK$1,424/mo
Today · 4.125%
HK$55,175
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,350/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,896
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,735/mo
Today · 4.125%
HK$58,339
baseline
▲ 0.50% · 4.625%
HK$61,888
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,678/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,071
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,709
−HK$1,662/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$67,764
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,581
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,776
−HK$2,231/mo
Today · 4.125%
HK$75,007
baseline
▲ 0.50% · 4.625%
HK$79,571
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,014/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,520
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,626
−HK$2,137/mo
Today · 4.125%
HK$82,763
baseline
▲ 0.50% · 4.625%
HK$87,125
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,526/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,855 · Scale 2, in force from 26 Feb 2026)