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$47,220
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,688
−HK$1,493/mo
Today · 4.125%
HK$50,181
baseline
▲ 0.50% · 4.625%
HK$53,234
+HK$3,053/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,362/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,531
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,940
−HK$1,429/mo
Today · 4.125%
HK$55,369
baseline
▲ 0.50% · 4.625%
HK$58,288
+HK$2,919/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,738/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,663
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,426
−HK$1,791/mo
Today · 4.125%
HK$60,217
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,434/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,038
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,728
−HK$1,715/mo
Today · 4.125%
HK$66,443
baseline
▲ 0.50% · 4.625%
HK$69,946
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,886/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,107
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,164
−HK$2,089/mo
Today · 4.125%
HK$70,253
baseline
▲ 0.50% · 4.625%
HK$74,528
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,506/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,544
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,516
−HK$2,001/mo
Today · 4.125%
HK$77,517
baseline
▲ 0.50% · 4.625%
HK$81,603
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,034/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,995
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,639
−HK$2,686/mo
Today · 4.125%
HK$90,325
baseline
▲ 0.50% · 4.625%
HK$95,821
+HK$5,496/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,650/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,556
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,092
−HK$2,573/mo
Today · 4.125%
HK$99,665
baseline
▲ 0.50% · 4.625%
HK$104,918
+HK$5,253/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,330/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,801 · Scale 2, in force from 26 Feb 2026)