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$47,113
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,578
−HK$1,489/mo
Today · 4.125%
HK$50,067
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,134/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,818
−HK$1,426/mo
Today · 4.125%
HK$55,244
baseline
▲ 0.50% · 4.625%
HK$58,156
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,488/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,786/mo
Today · 4.125%
HK$60,080
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,160/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,895
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,582
−HK$1,711/mo
Today · 4.125%
HK$66,293
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,586/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,958
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,009
−HK$2,085/mo
Today · 4.125%
HK$70,094
baseline
▲ 0.50% · 4.625%
HK$74,359
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,188/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,377
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,345
−HK$1,997/mo
Today · 4.125%
HK$77,342
baseline
▲ 0.50% · 4.625%
HK$81,419
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,684/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,803
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,441
−HK$2,680/mo
Today · 4.125%
HK$90,121
baseline
▲ 0.50% · 4.625%
HK$95,604
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,242/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,342
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,873
−HK$2,566/mo
Today · 4.125%
HK$99,439
baseline
▲ 0.50% · 4.625%
HK$104,681
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,878/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,114 · Scale 2, in force from 26 Feb 2026)