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$38,635
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,221/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,498/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,134
−HK$1,170/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,362
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,465/mo
Today · 4.125%
HK$49,270
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,540/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,578
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,961
−HK$1,403/mo
Today · 4.125%
HK$54,364
baseline
▲ 0.50% · 4.625%
HK$57,230
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,728/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,090
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,772
−HK$1,709/mo
Today · 4.125%
HK$57,481
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,962/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,174
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,788
−HK$1,637/mo
Today · 4.125%
HK$63,425
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,850/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,544
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$2,198/mo
Today · 4.125%
HK$73,905
baseline
▲ 0.50% · 4.625%
HK$78,402
+HK$4,497/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,810/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,367
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,442
−HK$2,104/mo
Today · 4.125%
HK$81,546
baseline
▲ 0.50% · 4.625%
HK$85,845
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,092/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,379 · Scale 2, in force from 26 Feb 2026)