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$47,138
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,489/mo
Today · 4.125%
HK$50,094
baseline
▲ 0.50% · 4.625%
HK$53,142
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,188/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,441
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,847
−HK$1,427/mo
Today · 4.125%
HK$55,274
baseline
▲ 0.50% · 4.625%
HK$58,188
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,548/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,566
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,325
−HK$1,788/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,771
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,226/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,929
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,617
−HK$1,712/mo
Today · 4.125%
HK$66,329
baseline
▲ 0.50% · 4.625%
HK$69,825
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,658/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,994
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,046
−HK$2,086/mo
Today · 4.125%
HK$70,132
baseline
▲ 0.50% · 4.625%
HK$74,399
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,264/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,417
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,386
−HK$1,998/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$81,463
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,849
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,488
−HK$2,682/mo
Today · 4.125%
HK$90,170
baseline
▲ 0.50% · 4.625%
HK$95,656
+HK$5,486/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,340/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,394
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,568/mo
Today · 4.125%
HK$99,493
baseline
▲ 0.50% · 4.625%
HK$104,738
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$198,986/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,237 · Scale 2, in force from 26 Feb 2026)