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$39,206
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,239/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$44,200
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,616
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,187/mo
Today · 4.125%
HK$45,973
baseline
▲ 0.50% · 4.625%
HK$48,396
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,946/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,047
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,486/mo
Today · 4.125%
HK$49,997
baseline
▲ 0.50% · 4.625%
HK$53,040
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,994/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,340
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,743
−HK$1,424/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,075
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,888
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,596
−HK$1,734/mo
Today · 4.125%
HK$58,330
baseline
▲ 0.50% · 4.625%
HK$61,880
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,660/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,063
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,662/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$67,754
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,571
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,766
−HK$2,230/mo
Today · 4.125%
HK$74,996
baseline
▲ 0.50% · 4.625%
HK$79,560
+HK$4,564/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,992/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,509
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,615
−HK$2,136/mo
Today · 4.125%
HK$82,751
baseline
▲ 0.50% · 4.625%
HK$87,113
+HK$4,362/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,502/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,763 · Scale 2, in force from 26 Feb 2026)