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$47,126
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,489/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$53,128
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,427
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,833
−HK$1,427/mo
Today · 4.125%
HK$55,260
baseline
▲ 0.50% · 4.625%
HK$58,172
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,520/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,551
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,787/mo
Today · 4.125%
HK$60,097
baseline
▲ 0.50% · 4.625%
HK$63,754
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,194/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,912
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,600
−HK$1,711/mo
Today · 4.125%
HK$66,311
baseline
▲ 0.50% · 4.625%
HK$69,807
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,622/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,976
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,028
−HK$2,085/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$74,380
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,398
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$1,997/mo
Today · 4.125%
HK$77,363
baseline
▲ 0.50% · 4.625%
HK$81,441
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,726/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,827
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,465
−HK$2,681/mo
Today · 4.125%
HK$90,146
baseline
▲ 0.50% · 4.625%
HK$95,631
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,292/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,369
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,900
−HK$2,567/mo
Today · 4.125%
HK$99,467
baseline
▲ 0.50% · 4.625%
HK$104,710
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,934/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,691 · Scale 2, in force from 26 Feb 2026)