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$39,200
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,239/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$44,194
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,186/mo
Today · 4.125%
HK$45,966
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,932/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,041
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,486/mo
Today · 4.125%
HK$49,990
baseline
▲ 0.50% · 4.625%
HK$53,032
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,980/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,332
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,736
−HK$1,424/mo
Today · 4.125%
HK$55,160
baseline
▲ 0.50% · 4.625%
HK$58,067
+HK$2,907/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,320/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,881
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,734/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,871
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,054
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,661/mo
Today · 4.125%
HK$64,353
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,706/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,561
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,756
−HK$2,230/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$79,548
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,498
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,135/mo
Today · 4.125%
HK$82,739
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,478/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,673 · Scale 2, in force from 26 Feb 2026)