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$47,057
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,521
−HK$1,487/mo
Today · 4.125%
HK$50,008
baseline
▲ 0.50% · 4.625%
HK$53,051
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,016/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,351
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,424/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,088
+HK$2,909/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,469
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,785/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,709/mo
Today · 4.125%
HK$66,215
baseline
▲ 0.50% · 4.625%
HK$69,705
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,430/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,880
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,929
−HK$2,082/mo
Today · 4.125%
HK$70,011
baseline
▲ 0.50% · 4.625%
HK$74,271
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,022/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,257
−HK$1,994/mo
Today · 4.125%
HK$77,251
baseline
▲ 0.50% · 4.625%
HK$81,323
+HK$4,072/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,502/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,703
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,338
−HK$2,677/mo
Today · 4.125%
HK$90,015
baseline
▲ 0.50% · 4.625%
HK$95,492
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,030/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,231
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,758
−HK$2,564/mo
Today · 4.125%
HK$99,322
baseline
▲ 0.50% · 4.625%
HK$104,558
+HK$5,236/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,644/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,681 · Scale 2, in force from 26 Feb 2026)