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$47,159
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,626
−HK$1,491/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$53,166
+HK$3,049/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,871
−HK$1,428/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,214
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,591
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,351
−HK$1,789/mo
Today · 4.125%
HK$60,140
baseline
▲ 0.50% · 4.625%
HK$63,799
+HK$3,659/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,280/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,957
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,645
−HK$1,713/mo
Today · 4.125%
HK$66,358
baseline
▲ 0.50% · 4.625%
HK$69,856
+HK$3,498/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,716/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$2,086/mo
Today · 4.125%
HK$70,163
baseline
▲ 0.50% · 4.625%
HK$74,432
+HK$4,269/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$140,326/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,450
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,420
−HK$1,998/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$81,499
+HK$4,081/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,887
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,527
−HK$2,683/mo
Today · 4.125%
HK$90,210
baseline
▲ 0.50% · 4.625%
HK$95,699
+HK$5,489/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,420/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,436
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,968
−HK$2,570/mo
Today · 4.125%
HK$99,538
baseline
▲ 0.50% · 4.625%
HK$104,784
+HK$5,246/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,076/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,155 · Scale 2, in force from 26 Feb 2026)