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$47,110
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,488/mo
Today · 4.125%
HK$50,064
baseline
▲ 0.50% · 4.625%
HK$53,111
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,128/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,410
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,815
−HK$1,426/mo
Today · 4.125%
HK$55,241
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,482/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,532
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,786/mo
Today · 4.125%
HK$60,077
baseline
▲ 0.50% · 4.625%
HK$63,733
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,154/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,892
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,578
−HK$1,711/mo
Today · 4.125%
HK$66,289
baseline
▲ 0.50% · 4.625%
HK$69,784
+HK$3,495/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,578/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,954
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,006
−HK$2,084/mo
Today · 4.125%
HK$70,090
baseline
▲ 0.50% · 4.625%
HK$74,355
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,180/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,374
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,341
−HK$1,997/mo
Today · 4.125%
HK$77,338
baseline
▲ 0.50% · 4.625%
HK$81,414
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,676/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,798
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,436
−HK$2,680/mo
Today · 4.125%
HK$90,116
baseline
▲ 0.50% · 4.625%
HK$95,599
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,232/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,337
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,567/mo
Today · 4.125%
HK$99,434
baseline
▲ 0.50% · 4.625%
HK$104,675
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,868/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,006 · Scale 2, in force from 26 Feb 2026)