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$47,105
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,570
−HK$1,489/mo
Today · 4.125%
HK$50,059
baseline
▲ 0.50% · 4.625%
HK$53,104
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,118/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,403
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,809
−HK$1,426/mo
Today · 4.125%
HK$55,235
baseline
▲ 0.50% · 4.625%
HK$58,146
+HK$2,911/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,470/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,526
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,284
−HK$1,786/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,725
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,884
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,571
−HK$1,711/mo
Today · 4.125%
HK$66,282
baseline
▲ 0.50% · 4.625%
HK$69,775
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,564/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,947
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,998
−HK$2,084/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$74,346
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,365
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,332
−HK$1,997/mo
Today · 4.125%
HK$77,329
baseline
▲ 0.50% · 4.625%
HK$81,405
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,658/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,788
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,426
−HK$2,679/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$95,588
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,326
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,856
−HK$2,566/mo
Today · 4.125%
HK$99,422
baseline
▲ 0.50% · 4.625%
HK$104,663
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,844/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,762 · Scale 2, in force from 26 Feb 2026)