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$47,060
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,488/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$53,054
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,353
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,425/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,471
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,228
−HK$1,785/mo
Today · 4.125%
HK$60,013
baseline
▲ 0.50% · 4.625%
HK$63,664
+HK$3,651/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$120,026/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,824
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,509
−HK$1,709/mo
Today · 4.125%
HK$66,218
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$132,436/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,883
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$2,082/mo
Today · 4.125%
HK$70,015
baseline
▲ 0.50% · 4.625%
HK$74,275
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,030/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,260
−HK$1,994/mo
Today · 4.125%
HK$77,254
baseline
▲ 0.50% · 4.625%
HK$81,327
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,508/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,707
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,342
−HK$2,677/mo
Today · 4.125%
HK$90,019
baseline
▲ 0.50% · 4.625%
HK$95,496
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,038/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,236
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,763
−HK$2,564/mo
Today · 4.125%
HK$99,327
baseline
▲ 0.50% · 4.625%
HK$104,563
+HK$5,236/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,654/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,783 · Scale 2, in force from 26 Feb 2026)