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$39,204
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,423
−HK$1,239/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$44,197
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,187/mo
Today · 4.125%
HK$45,970
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,940/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,044
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,508
−HK$1,487/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,336
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,740
−HK$1,424/mo
Today · 4.125%
HK$55,164
baseline
▲ 0.50% · 4.625%
HK$58,072
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,328/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,885
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,592
−HK$1,735/mo
Today · 4.125%
HK$58,327
baseline
▲ 0.50% · 4.625%
HK$61,876
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,654/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,059
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,697
−HK$1,661/mo
Today · 4.125%
HK$64,358
baseline
▲ 0.50% · 4.625%
HK$67,750
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,716/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,230/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,610
−HK$2,136/mo
Today · 4.125%
HK$82,746
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,492/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,726 · Scale 2, in force from 26 Feb 2026)