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$2,459/mo
▼ 0.25% · 3.875%
HK$40,432
−HK$1,239/mo
Today · 4.125%
HK$41,671
baseline
▲ 0.50% · 4.625%
HK$44,207
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,342/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,623
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,793
−HK$1,187/mo
Today · 4.125%
HK$45,980
baseline
▲ 0.50% · 4.625%
HK$48,404
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,960/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,055
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,487/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$53,048
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,348
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,752
−HK$1,424/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,897
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,735/mo
Today · 4.125%
HK$58,340
baseline
▲ 0.50% · 4.625%
HK$61,890
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,680/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,073
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,711
−HK$1,661/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,582
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,778
−HK$2,230/mo
Today · 4.125%
HK$75,008
baseline
▲ 0.50% · 4.625%
HK$79,573
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,016/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,522
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,628
−HK$2,136/mo
Today · 4.125%
HK$82,764
baseline
▲ 0.50% · 4.625%
HK$87,127
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,869 · Scale 2, in force from 26 Feb 2026)