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$39,223
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,239/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$44,218
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,805
−HK$1,187/mo
Today · 4.125%
HK$45,992
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,984/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,067
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,531
−HK$1,488/mo
Today · 4.125%
HK$50,019
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,038/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,362
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,766
−HK$1,425/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,912
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,620
−HK$1,735/mo
Today · 4.125%
HK$58,355
baseline
▲ 0.50% · 4.625%
HK$61,906
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,710/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,089
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,727
−HK$1,662/mo
Today · 4.125%
HK$64,389
baseline
▲ 0.50% · 4.625%
HK$67,783
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,778/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,231/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,542
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,137/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,036 · Scale 2, in force from 26 Feb 2026)