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$47,094
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,559
−HK$1,489/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,797
−HK$1,426/mo
Today · 4.125%
HK$55,223
baseline
▲ 0.50% · 4.625%
HK$58,133
+HK$2,910/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,446/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,513
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,786/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,711
+HK$3,654/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,557
−HK$1,710/mo
Today · 4.125%
HK$66,267
baseline
▲ 0.50% · 4.625%
HK$69,760
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,534/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,932
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,983
−HK$2,084/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$74,330
+HK$4,263/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,349
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,316
−HK$1,996/mo
Today · 4.125%
HK$77,312
baseline
▲ 0.50% · 4.625%
HK$81,387
+HK$4,075/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,624/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,770
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,407
−HK$2,679/mo
Today · 4.125%
HK$90,086
baseline
▲ 0.50% · 4.625%
HK$95,567
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,172/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,306
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,835
−HK$2,566/mo
Today · 4.125%
HK$99,401
baseline
▲ 0.50% · 4.625%
HK$104,640
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,802/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,309 · Scale 2, in force from 26 Feb 2026)