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$39,217
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,240/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$44,212
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,798
−HK$1,187/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,409
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,060
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,487/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$53,054
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,758
−HK$1,424/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,903
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,735/mo
Today · 4.125%
HK$58,346
baseline
▲ 0.50% · 4.625%
HK$61,896
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,692/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,079
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,717
−HK$1,662/mo
Today · 4.125%
HK$64,379
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,758/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,590
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,786
−HK$2,230/mo
Today · 4.125%
HK$75,016
baseline
▲ 0.50% · 4.625%
HK$79,581
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,032/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,530
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,637
−HK$2,136/mo
Today · 4.125%
HK$82,773
baseline
▲ 0.50% · 4.625%
HK$87,136
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,937 · Scale 2, in force from 26 Feb 2026)