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$47,105
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,570
−HK$1,489/mo
Today · 4.125%
HK$50,059
baseline
▲ 0.50% · 4.625%
HK$53,105
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,118/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,404
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,809
−HK$1,426/mo
Today · 4.125%
HK$55,235
baseline
▲ 0.50% · 4.625%
HK$58,147
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,470/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,526
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,284
−HK$1,787/mo
Today · 4.125%
HK$60,071
baseline
▲ 0.50% · 4.625%
HK$63,726
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,142/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,885
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,571
−HK$1,711/mo
Today · 4.125%
HK$66,282
baseline
▲ 0.50% · 4.625%
HK$69,776
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,564/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,947
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,998
−HK$2,084/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$74,347
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,365
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,333
−HK$1,996/mo
Today · 4.125%
HK$77,329
baseline
▲ 0.50% · 4.625%
HK$81,405
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,658/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,789
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,426
−HK$2,680/mo
Today · 4.125%
HK$90,106
baseline
▲ 0.50% · 4.625%
HK$95,589
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,212/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,327
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,857
−HK$2,566/mo
Today · 4.125%
HK$99,423
baseline
▲ 0.50% · 4.625%
HK$104,664
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,846/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,777 · Scale 2, in force from 26 Feb 2026)