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$47,121
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,490/mo
Today · 4.125%
HK$50,076
baseline
▲ 0.50% · 4.625%
HK$53,123
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,152/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,421
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,426/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,166
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,545
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,787/mo
Today · 4.125%
HK$60,091
baseline
▲ 0.50% · 4.625%
HK$63,747
+HK$3,656/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,182/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,906
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,593
−HK$1,711/mo
Today · 4.125%
HK$66,304
baseline
▲ 0.50% · 4.625%
HK$69,799
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,608/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,969
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$2,085/mo
Today · 4.125%
HK$70,106
baseline
▲ 0.50% · 4.625%
HK$74,372
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,212/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,390
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,358
−HK$1,997/mo
Today · 4.125%
HK$77,355
baseline
▲ 0.50% · 4.625%
HK$81,432
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,710/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,817
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,455
−HK$2,681/mo
Today · 4.125%
HK$90,136
baseline
▲ 0.50% · 4.625%
HK$95,621
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,272/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,358
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,889
−HK$2,567/mo
Today · 4.125%
HK$99,456
baseline
▲ 0.50% · 4.625%
HK$104,699
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,912/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,463 · Scale 2, in force from 26 Feb 2026)