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$47,148
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,614
−HK$1,490/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$3,049/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,427/mo
Today · 4.125%
HK$55,285
baseline
▲ 0.50% · 4.625%
HK$58,199
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,570/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,577
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,337
−HK$1,788/mo
Today · 4.125%
HK$60,125
baseline
▲ 0.50% · 4.625%
HK$63,783
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,250/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,941
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,629
−HK$1,713/mo
Today · 4.125%
HK$66,342
baseline
▲ 0.50% · 4.625%
HK$69,839
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,684/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,007
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,060
−HK$2,086/mo
Today · 4.125%
HK$70,146
baseline
▲ 0.50% · 4.625%
HK$74,414
+HK$4,268/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,292/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,432
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$1,998/mo
Today · 4.125%
HK$77,399
baseline
▲ 0.50% · 4.625%
HK$81,479
+HK$4,080/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,798/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,866
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,505
−HK$2,682/mo
Today · 4.125%
HK$90,187
baseline
▲ 0.50% · 4.625%
HK$95,675
+HK$5,488/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,374/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,412
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,944
−HK$2,569/mo
Today · 4.125%
HK$99,513
baseline
▲ 0.50% · 4.625%
HK$104,758
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,026/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,642 · Scale 2, in force from 26 Feb 2026)