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$47,111
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,488/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,411
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,816
−HK$1,426/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,533
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,292
−HK$1,786/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,893
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,579
−HK$1,712/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$69,785
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,956
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$2,085/mo
Today · 4.125%
HK$70,092
baseline
▲ 0.50% · 4.625%
HK$74,356
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,184/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,375
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,343
−HK$1,996/mo
Today · 4.125%
HK$77,339
baseline
▲ 0.50% · 4.625%
HK$81,416
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,678/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,800
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,438
−HK$2,680/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$95,601
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,339
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,869
−HK$2,567/mo
Today · 4.125%
HK$99,436
baseline
▲ 0.50% · 4.625%
HK$104,677
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,872/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,044 · Scale 2, in force from 26 Feb 2026)