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$47,081
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,546
−HK$1,488/mo
Today · 4.125%
HK$50,034
baseline
▲ 0.50% · 4.625%
HK$53,078
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,068/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,378
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,782
−HK$1,425/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,117
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,498
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,255
−HK$1,786/mo
Today · 4.125%
HK$60,041
baseline
▲ 0.50% · 4.625%
HK$63,694
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,082/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,853
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,539
−HK$1,710/mo
Today · 4.125%
HK$66,249
baseline
▲ 0.50% · 4.625%
HK$69,741
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,498/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,914
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,964
−HK$2,083/mo
Today · 4.125%
HK$70,047
baseline
▲ 0.50% · 4.625%
HK$74,310
+HK$4,263/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,094/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,329
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,295
−HK$1,995/mo
Today · 4.125%
HK$77,290
baseline
▲ 0.50% · 4.625%
HK$81,364
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,580/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,747
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,383
−HK$2,678/mo
Today · 4.125%
HK$90,061
baseline
▲ 0.50% · 4.625%
HK$95,541
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,122/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,280
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,808
−HK$2,565/mo
Today · 4.125%
HK$99,373
baseline
▲ 0.50% · 4.625%
HK$104,611
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,746/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,742 · Scale 2, in force from 26 Feb 2026)