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$39,225
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,240/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$44,221
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,370/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,637
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,187/mo
Today · 4.125%
HK$45,995
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,990/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,070
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,534
−HK$1,488/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$53,065
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,365
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,769
−HK$1,425/mo
Today · 4.125%
HK$55,194
baseline
▲ 0.50% · 4.625%
HK$58,103
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,388/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,915
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,735/mo
Today · 4.125%
HK$58,358
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,716/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,092
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,731
−HK$1,662/mo
Today · 4.125%
HK$64,393
baseline
▲ 0.50% · 4.625%
HK$67,787
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,786/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,605
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,801
−HK$2,231/mo
Today · 4.125%
HK$75,032
baseline
▲ 0.50% · 4.625%
HK$79,598
+HK$4,566/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,064/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,547
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,654
−HK$2,137/mo
Today · 4.125%
HK$82,791
baseline
▲ 0.50% · 4.625%
HK$87,155
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,582/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,074 · Scale 2, in force from 26 Feb 2026)