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$39,241
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,461
−HK$1,240/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,538/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,655
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,826
−HK$1,187/mo
Today · 4.125%
HK$46,013
baseline
▲ 0.50% · 4.625%
HK$48,439
+HK$2,426/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,026/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,089
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,554
−HK$1,488/mo
Today · 4.125%
HK$50,042
baseline
▲ 0.50% · 4.625%
HK$53,087
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,084/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,386
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,791
−HK$1,425/mo
Today · 4.125%
HK$55,216
baseline
▲ 0.50% · 4.625%
HK$58,127
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,432/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,937
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,646
−HK$1,736/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,934
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,117
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,663/mo
Today · 4.125%
HK$64,419
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,838/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,633
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,830
−HK$2,233/mo
Today · 4.125%
HK$75,063
baseline
▲ 0.50% · 4.625%
HK$79,630
+HK$4,567/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,126/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,579
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,686
−HK$2,138/mo
Today · 4.125%
HK$82,824
baseline
▲ 0.50% · 4.625%
HK$87,190
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,648/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,335 · Scale 2, in force from 26 Feb 2026)