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$47,092
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,489/mo
Today · 4.125%
HK$50,046
baseline
▲ 0.50% · 4.625%
HK$53,091
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,092/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,390
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,795
−HK$1,425/mo
Today · 4.125%
HK$55,220
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$2,911/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,440/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,511
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,786/mo
Today · 4.125%
HK$60,055
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,654/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,110/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,554
−HK$1,710/mo
Today · 4.125%
HK$66,264
baseline
▲ 0.50% · 4.625%
HK$69,757
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,528/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,929
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,980
−HK$2,084/mo
Today · 4.125%
HK$70,064
baseline
▲ 0.50% · 4.625%
HK$74,327
+HK$4,263/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,128/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,346
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,313
−HK$1,995/mo
Today · 4.125%
HK$77,308
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,616/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,766
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,403
−HK$2,679/mo
Today · 4.125%
HK$90,082
baseline
▲ 0.50% · 4.625%
HK$95,563
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,164/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,302
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,831
−HK$2,566/mo
Today · 4.125%
HK$99,397
baseline
▲ 0.50% · 4.625%
HK$104,636
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,794/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,226 · Scale 2, in force from 26 Feb 2026)