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$39,213
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,239/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$44,208
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,624
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,794
−HK$1,187/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,405
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,487/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$53,049
+HK$3,043/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$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,424/mo
Today · 4.125%
HK$55,177
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,354/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,898
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,606
−HK$1,735/mo
Today · 4.125%
HK$58,341
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,682/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,074
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,712
−HK$1,661/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$67,767
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,583
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,779
−HK$2,231/mo
Today · 4.125%
HK$75,010
baseline
▲ 0.50% · 4.625%
HK$79,574
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,020/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,523
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,629
−HK$2,137/mo
Today · 4.125%
HK$82,766
baseline
▲ 0.50% · 4.625%
HK$87,128
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,532/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,878 · Scale 2, in force from 26 Feb 2026)