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$39,208
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,239/mo
Today · 4.125%
HK$41,667
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,334/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,619
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,789
−HK$1,187/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,399
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,050
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,514
−HK$1,487/mo
Today · 4.125%
HK$50,001
baseline
▲ 0.50% · 4.625%
HK$53,043
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,002/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,343
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,747
−HK$1,424/mo
Today · 4.125%
HK$55,171
baseline
▲ 0.50% · 4.625%
HK$58,079
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,342/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,892
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,735/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,884
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,067
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,704
−HK$1,662/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$67,759
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,575
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,771
−HK$2,230/mo
Today · 4.125%
HK$75,001
baseline
▲ 0.50% · 4.625%
HK$79,565
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,002/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,514
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,620
−HK$2,136/mo
Today · 4.125%
HK$82,756
baseline
▲ 0.50% · 4.625%
HK$87,118
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,512/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,804 · Scale 2, in force from 26 Feb 2026)