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$39,223
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,240/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,805
−HK$1,188/mo
Today · 4.125%
HK$45,993
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,986/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,487/mo
Today · 4.125%
HK$50,019
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$3,044/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,038/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,362
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,766
−HK$1,425/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$2,909/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,912
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,620
−HK$1,736/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,906
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,089
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,662/mo
Today · 4.125%
HK$64,390
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,780/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,232/mo
Today · 4.125%
HK$75,029
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,058/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,650
−HK$2,137/mo
Today · 4.125%
HK$82,787
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,574/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,042 · Scale 2, in force from 26 Feb 2026)