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$47,116
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,581
−HK$1,489/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$53,117
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,416
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,426/mo
Today · 4.125%
HK$55,248
baseline
▲ 0.50% · 4.625%
HK$58,160
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,496/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,539
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,786/mo
Today · 4.125%
HK$60,084
baseline
▲ 0.50% · 4.625%
HK$63,740
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,168/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,899
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,586
−HK$1,711/mo
Today · 4.125%
HK$66,297
baseline
▲ 0.50% · 4.625%
HK$69,792
+HK$3,495/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,594/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$2,084/mo
Today · 4.125%
HK$70,098
baseline
▲ 0.50% · 4.625%
HK$74,364
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,196/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,382
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$1,997/mo
Today · 4.125%
HK$77,347
baseline
▲ 0.50% · 4.625%
HK$81,424
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,694/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,808
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,446
−HK$2,681/mo
Today · 4.125%
HK$90,127
baseline
▲ 0.50% · 4.625%
HK$95,611
+HK$5,484/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,254/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,348
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,879
−HK$2,567/mo
Today · 4.125%
HK$99,446
baseline
▲ 0.50% · 4.625%
HK$104,688
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,892/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,248 · Scale 2, in force from 26 Feb 2026)