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$39,229
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,240/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$44,226
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,642
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,188/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,075
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,539
−HK$1,488/mo
Today · 4.125%
HK$50,027
baseline
▲ 0.50% · 4.625%
HK$53,071
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,054/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,370
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,775
−HK$1,425/mo
Today · 4.125%
HK$55,200
baseline
▲ 0.50% · 4.625%
HK$58,109
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,400/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,921
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,736/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,551/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,737
−HK$1,663/mo
Today · 4.125%
HK$64,400
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,800/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,612
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,809
−HK$2,231/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$79,606
+HK$4,566/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,080/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,555
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,662
−HK$2,137/mo
Today · 4.125%
HK$82,799
baseline
▲ 0.50% · 4.625%
HK$87,164
+HK$4,365/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,598/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,142 · Scale 2, in force from 26 Feb 2026)