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$47,113
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,489/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,413
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,819
−HK$1,426/mo
Today · 4.125%
HK$55,245
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,490/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,536
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,787/mo
Today · 4.125%
HK$60,081
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,162/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,896
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,582
−HK$1,712/mo
Today · 4.125%
HK$66,294
baseline
▲ 0.50% · 4.625%
HK$69,788
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,588/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,959
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,010
−HK$2,085/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$74,360
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,378
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,346
−HK$1,997/mo
Today · 4.125%
HK$77,343
baseline
▲ 0.50% · 4.625%
HK$81,419
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,686/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,804
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,442
−HK$2,680/mo
Today · 4.125%
HK$90,122
baseline
▲ 0.50% · 4.625%
HK$95,606
+HK$5,484/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,244/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,343
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,874
−HK$2,567/mo
Today · 4.125%
HK$99,441
baseline
▲ 0.50% · 4.625%
HK$104,682
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,882/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,139 · Scale 2, in force from 26 Feb 2026)