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$47,190
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,658
−HK$1,491/mo
Today · 4.125%
HK$50,149
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,298/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,498
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,906
−HK$1,429/mo
Today · 4.125%
HK$55,335
baseline
▲ 0.50% · 4.625%
HK$58,251
+HK$2,916/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,670/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,628
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,389
−HK$1,790/mo
Today · 4.125%
HK$60,179
baseline
▲ 0.50% · 4.625%
HK$63,841
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,358/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,998
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,688
−HK$1,714/mo
Today · 4.125%
HK$66,402
baseline
▲ 0.50% · 4.625%
HK$69,902
+HK$3,500/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,804/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,066
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,121
−HK$2,088/mo
Today · 4.125%
HK$70,209
baseline
▲ 0.50% · 4.625%
HK$74,481
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,418/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,498
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,469
−HK$2,000/mo
Today · 4.125%
HK$77,469
baseline
▲ 0.50% · 4.625%
HK$81,552
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,938/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,942
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,584
−HK$2,685/mo
Today · 4.125%
HK$90,269
baseline
▲ 0.50% · 4.625%
HK$95,761
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,538/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,497
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,031
−HK$2,571/mo
Today · 4.125%
HK$99,602
baseline
▲ 0.50% · 4.625%
HK$104,853
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,204/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,503 · Scale 2, in force from 26 Feb 2026)