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$47,107
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,489/mo
Today · 4.125%
HK$50,061
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,122/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,406
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,811
−HK$1,426/mo
Today · 4.125%
HK$55,237
baseline
▲ 0.50% · 4.625%
HK$58,149
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,474/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,528
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,286
−HK$1,787/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,887
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,573
−HK$1,711/mo
Today · 4.125%
HK$66,284
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,568/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,949
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$2,084/mo
Today · 4.125%
HK$70,085
baseline
▲ 0.50% · 4.625%
HK$74,349
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,170/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,336
−HK$1,996/mo
Today · 4.125%
HK$77,332
baseline
▲ 0.50% · 4.625%
HK$81,408
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,664/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,792
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,429
−HK$2,680/mo
Today · 4.125%
HK$90,109
baseline
▲ 0.50% · 4.625%
HK$95,592
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,218/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,330
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,860
−HK$2,566/mo
Today · 4.125%
HK$99,426
baseline
▲ 0.50% · 4.625%
HK$104,667
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,852/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,847 · Scale 2, in force from 26 Feb 2026)