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$47,143
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,490/mo
Today · 4.125%
HK$50,100
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,200/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,853
−HK$1,427/mo
Today · 4.125%
HK$55,280
baseline
▲ 0.50% · 4.625%
HK$58,194
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,560/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,572
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,332
−HK$1,788/mo
Today · 4.125%
HK$60,120
baseline
▲ 0.50% · 4.625%
HK$63,778
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,240/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,936
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,624
−HK$1,712/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$69,833
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,001
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$2,086/mo
Today · 4.125%
HK$70,140
baseline
▲ 0.50% · 4.625%
HK$74,407
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,280/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,425
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,394
−HK$1,998/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$81,471
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,858
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,498
−HK$2,681/mo
Today · 4.125%
HK$90,179
baseline
▲ 0.50% · 4.625%
HK$95,667
+HK$5,488/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,358/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,404
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,936
−HK$2,568/mo
Today · 4.125%
HK$99,504
baseline
▲ 0.50% · 4.625%
HK$104,749
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,008/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,459 · Scale 2, in force from 26 Feb 2026)