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$47,168
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,490/mo
Today · 4.125%
HK$50,126
baseline
▲ 0.50% · 4.625%
HK$53,176
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,252/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,474
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,882
−HK$1,427/mo
Today · 4.125%
HK$55,309
baseline
▲ 0.50% · 4.625%
HK$58,225
+HK$2,916/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,618/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,602
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,363
−HK$1,788/mo
Today · 4.125%
HK$60,151
baseline
▲ 0.50% · 4.625%
HK$63,812
+HK$3,661/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,302/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,969
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,658
−HK$1,713/mo
Today · 4.125%
HK$66,371
baseline
▲ 0.50% · 4.625%
HK$69,870
+HK$3,499/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,742/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,036
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$2,087/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$74,447
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,464
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,434
−HK$1,999/mo
Today · 4.125%
HK$77,433
baseline
▲ 0.50% · 4.625%
HK$81,515
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,866/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,903
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,544
−HK$2,683/mo
Today · 4.125%
HK$90,227
baseline
▲ 0.50% · 4.625%
HK$95,717
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,454/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,454
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,987
−HK$2,570/mo
Today · 4.125%
HK$99,557
baseline
▲ 0.50% · 4.625%
HK$104,805
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,114/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,555 · Scale 2, in force from 26 Feb 2026)