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$47,108
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,573
−HK$1,489/mo
Today · 4.125%
HK$50,062
baseline
▲ 0.50% · 4.625%
HK$53,108
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,124/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,407
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,425/mo
Today · 4.125%
HK$55,238
baseline
▲ 0.50% · 4.625%
HK$58,150
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,476/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,530
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,288
−HK$1,786/mo
Today · 4.125%
HK$60,074
baseline
▲ 0.50% · 4.625%
HK$63,730
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,148/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,889
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,575
−HK$1,711/mo
Today · 4.125%
HK$66,286
baseline
▲ 0.50% · 4.625%
HK$69,780
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,572/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,951
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$2,084/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$74,351
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,370
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,338
−HK$1,996/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$81,410
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,432
−HK$2,680/mo
Today · 4.125%
HK$90,112
baseline
▲ 0.50% · 4.625%
HK$95,595
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,224/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,333
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,863
−HK$2,566/mo
Today · 4.125%
HK$99,429
baseline
▲ 0.50% · 4.625%
HK$104,670
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,858/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,905 · Scale 2, in force from 26 Feb 2026)