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$47,166
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,633
−HK$1,491/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,879
−HK$1,427/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$2,916/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,599
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,360
−HK$1,788/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,808
+HK$3,660/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,966
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,655
−HK$1,713/mo
Today · 4.125%
HK$66,368
baseline
▲ 0.50% · 4.625%
HK$69,866
+HK$3,498/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,736/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,032
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,086
−HK$2,087/mo
Today · 4.125%
HK$70,173
baseline
▲ 0.50% · 4.625%
HK$74,443
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,346/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,460
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,430
−HK$1,999/mo
Today · 4.125%
HK$77,429
baseline
▲ 0.50% · 4.625%
HK$81,510
+HK$4,081/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,858/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,899
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,539
−HK$2,684/mo
Today · 4.125%
HK$90,223
baseline
▲ 0.50% · 4.625%
HK$95,712
+HK$5,489/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,446/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,982
−HK$2,570/mo
Today · 4.125%
HK$99,552
baseline
▲ 0.50% · 4.625%
HK$104,799
+HK$5,247/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,104/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,448 · Scale 2, in force from 26 Feb 2026)