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$39,204
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,424
−HK$1,239/mo
Today · 4.125%
HK$41,663
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,535/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,326/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,615
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,187/mo
Today · 4.125%
HK$45,971
baseline
▲ 0.50% · 4.625%
HK$48,394
+HK$2,423/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,942/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,509
−HK$1,486/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$53,038
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,337
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,741
−HK$1,424/mo
Today · 4.125%
HK$55,165
baseline
▲ 0.50% · 4.625%
HK$58,073
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,330/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,886
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,593
−HK$1,735/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,877
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,060
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,661/mo
Today · 4.125%
HK$64,359
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,393/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,718/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,763
−HK$2,230/mo
Today · 4.125%
HK$74,993
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$4,563/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,986/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,506
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,612
−HK$2,136/mo
Today · 4.125%
HK$82,748
baseline
▲ 0.50% · 4.625%
HK$87,109
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,738 · Scale 2, in force from 26 Feb 2026)