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$47,128
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,594
−HK$1,489/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$53,131
+HK$3,048/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,429
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,835
−HK$1,427/mo
Today · 4.125%
HK$55,262
baseline
▲ 0.50% · 4.625%
HK$58,175
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,524/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,554
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,313
−HK$1,787/mo
Today · 4.125%
HK$60,100
baseline
▲ 0.50% · 4.625%
HK$63,757
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,200/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,915
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,603
−HK$1,711/mo
Today · 4.125%
HK$66,314
baseline
▲ 0.50% · 4.625%
HK$69,810
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,628/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,979
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$2,086/mo
Today · 4.125%
HK$70,117
baseline
▲ 0.50% · 4.625%
HK$74,383
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,234/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,401
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,370
−HK$1,997/mo
Today · 4.125%
HK$77,367
baseline
▲ 0.50% · 4.625%
HK$81,445
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,734/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,830
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,469
−HK$2,681/mo
Today · 4.125%
HK$90,150
baseline
▲ 0.50% · 4.625%
HK$95,635
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,300/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,373
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,904
−HK$2,567/mo
Today · 4.125%
HK$99,471
baseline
▲ 0.50% · 4.625%
HK$104,715
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,942/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,782 · Scale 2, in force from 26 Feb 2026)