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$47,080
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,488/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,376
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,781
−HK$1,425/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,116
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,496
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,253
−HK$1,786/mo
Today · 4.125%
HK$60,039
baseline
▲ 0.50% · 4.625%
HK$63,692
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,078/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,851
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,710/mo
Today · 4.125%
HK$66,247
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,494/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,912
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,293
−HK$1,995/mo
Today · 4.125%
HK$77,288
baseline
▲ 0.50% · 4.625%
HK$81,362
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,576/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,744
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,678/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,277
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,805
−HK$2,565/mo
Today · 4.125%
HK$99,370
baseline
▲ 0.50% · 4.625%
HK$104,608
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,740/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,673 · Scale 2, in force from 26 Feb 2026)