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$39,202
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,239/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,612
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,187/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,486/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,738
−HK$1,423/mo
Today · 4.125%
HK$55,161
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,322/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,883
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,590
−HK$1,734/mo
Today · 4.125%
HK$58,324
baseline
▲ 0.50% · 4.625%
HK$61,873
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,648/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,056
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,694
−HK$1,661/mo
Today · 4.125%
HK$64,355
baseline
▲ 0.50% · 4.625%
HK$67,747
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,710/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,563
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,758
−HK$2,230/mo
Today · 4.125%
HK$74,988
baseline
▲ 0.50% · 4.625%
HK$79,551
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,976/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,501
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,606
−HK$2,136/mo
Today · 4.125%
HK$82,742
baseline
▲ 0.50% · 4.625%
HK$87,104
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,484/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,695 · Scale 2, in force from 26 Feb 2026)