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$47,171
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,639
−HK$1,490/mo
Today · 4.125%
HK$50,129
baseline
▲ 0.50% · 4.625%
HK$53,180
+HK$3,051/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,258/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,478
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,428/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,228
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,606
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,366
−HK$1,789/mo
Today · 4.125%
HK$60,155
baseline
▲ 0.50% · 4.625%
HK$63,815
+HK$3,660/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,310/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,973
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,662
−HK$1,713/mo
Today · 4.125%
HK$66,375
baseline
▲ 0.50% · 4.625%
HK$69,874
+HK$3,499/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,750/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,040
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,094
−HK$2,087/mo
Today · 4.125%
HK$70,181
baseline
▲ 0.50% · 4.625%
HK$74,451
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,362/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,469
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,439
−HK$1,999/mo
Today · 4.125%
HK$77,438
baseline
▲ 0.50% · 4.625%
HK$81,520
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,876/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,908
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,549
−HK$2,684/mo
Today · 4.125%
HK$90,233
baseline
▲ 0.50% · 4.625%
HK$95,723
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,466/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,460
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,993
−HK$2,570/mo
Today · 4.125%
HK$99,563
baseline
▲ 0.50% · 4.625%
HK$104,811
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,126/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,683 · Scale 2, in force from 26 Feb 2026)