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$47,127
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,593
−HK$1,490/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$53,130
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,429
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,835
−HK$1,426/mo
Today · 4.125%
HK$55,261
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,522/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,312
−HK$1,787/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,756
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,915
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,602
−HK$1,712/mo
Today · 4.125%
HK$66,314
baseline
▲ 0.50% · 4.625%
HK$69,809
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,628/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,978
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$2,085/mo
Today · 4.125%
HK$70,116
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,232/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$1,997/mo
Today · 4.125%
HK$77,366
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,732/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,829
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,468
−HK$2,681/mo
Today · 4.125%
HK$90,149
baseline
▲ 0.50% · 4.625%
HK$95,634
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,298/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,372
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,903
−HK$2,567/mo
Today · 4.125%
HK$99,470
baseline
▲ 0.50% · 4.625%
HK$104,714
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,940/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,760 · Scale 2, in force from 26 Feb 2026)