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$39,233
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,240/mo
Today · 4.125%
HK$41,693
baseline
▲ 0.50% · 4.625%
HK$44,230
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,386/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,817
−HK$1,187/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,429
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,079
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,488/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,375
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,425/mo
Today · 4.125%
HK$55,205
baseline
▲ 0.50% · 4.625%
HK$58,115
+HK$2,910/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,410/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,926
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,634
−HK$1,736/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,663/mo
Today · 4.125%
HK$64,406
baseline
▲ 0.50% · 4.625%
HK$67,801
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,812/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,619
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,816
−HK$2,231/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,614
+HK$4,567/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,563
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,670
−HK$2,138/mo
Today · 4.125%
HK$82,808
baseline
▲ 0.50% · 4.625%
HK$87,172
+HK$4,364/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,616/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,204 · Scale 2, in force from 26 Feb 2026)