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$47,161
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,491/mo
Today · 4.125%
HK$50,119
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$3,049/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,238/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,874
−HK$1,427/mo
Today · 4.125%
HK$55,301
baseline
▲ 0.50% · 4.625%
HK$58,216
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,602/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,594
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,354
−HK$1,789/mo
Today · 4.125%
HK$60,143
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,659/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,286/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,960
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,648
−HK$1,713/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$3,498/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,080
−HK$2,086/mo
Today · 4.125%
HK$70,166
baseline
▲ 0.50% · 4.625%
HK$74,436
+HK$4,270/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$140,332/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,453
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,423
−HK$1,999/mo
Today · 4.125%
HK$77,422
baseline
▲ 0.50% · 4.625%
HK$81,503
+HK$4,081/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$154,844/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,890
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,531
−HK$2,683/mo
Today · 4.125%
HK$90,214
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$5,489/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,428/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,440
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,973
−HK$2,569/mo
Today · 4.125%
HK$99,542
baseline
▲ 0.50% · 4.625%
HK$104,789
+HK$5,247/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,084/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,247 · Scale 2, in force from 26 Feb 2026)