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$39,237
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,240/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,538/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,651
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,821
−HK$1,188/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,434
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,084
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,549
−HK$1,488/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$53,082
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,381
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,786
−HK$1,425/mo
Today · 4.125%
HK$55,211
baseline
▲ 0.50% · 4.625%
HK$58,121
+HK$2,910/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,422/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,932
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,736/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,928
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,111
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,750
−HK$1,663/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,395/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,627
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,823
−HK$2,232/mo
Today · 4.125%
HK$75,055
baseline
▲ 0.50% · 4.625%
HK$79,622
+HK$4,567/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,110/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,571
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,679
−HK$2,137/mo
Today · 4.125%
HK$82,816
baseline
▲ 0.50% · 4.625%
HK$87,182
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,632/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,272 · Scale 2, in force from 26 Feb 2026)