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$38,672
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,223/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,022
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,176
−HK$1,170/mo
Today · 4.125%
HK$45,346
baseline
▲ 0.50% · 4.625%
HK$47,736
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,692/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,406
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,467/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$52,317
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,626
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,011
−HK$1,404/mo
Today · 4.125%
HK$54,415
baseline
▲ 0.50% · 4.625%
HK$57,284
+HK$2,869/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,830/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,140
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,824
−HK$1,711/mo
Today · 4.125%
HK$57,535
baseline
▲ 0.50% · 4.625%
HK$61,036
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,070/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,230
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,846
−HK$1,638/mo
Today · 4.125%
HK$63,484
baseline
▲ 0.50% · 4.625%
HK$66,831
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,968/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,609
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,774
−HK$2,200/mo
Today · 4.125%
HK$73,974
baseline
▲ 0.50% · 4.625%
HK$78,475
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,439
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,516
−HK$2,107/mo
Today · 4.125%
HK$81,623
baseline
▲ 0.50% · 4.625%
HK$85,925
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,246/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,974 · Scale 2, in force from 26 Feb 2026)