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$47,204
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,492/mo
Today · 4.125%
HK$50,164
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,328/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,514
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,429/mo
Today · 4.125%
HK$55,351
baseline
▲ 0.50% · 4.625%
HK$58,269
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,702/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,645
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,407
−HK$1,790/mo
Today · 4.125%
HK$60,197
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,394/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,017
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,707
−HK$1,714/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,086
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,141
−HK$2,089/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$74,503
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,520
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,001/mo
Today · 4.125%
HK$77,492
baseline
▲ 0.50% · 4.625%
HK$81,576
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,984/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,967
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,610
−HK$2,685/mo
Today · 4.125%
HK$90,295
baseline
▲ 0.50% · 4.625%
HK$95,790
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,590/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,525
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,060
−HK$2,572/mo
Today · 4.125%
HK$99,632
baseline
▲ 0.50% · 4.625%
HK$104,884
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,264/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,119 · Scale 2, in force from 26 Feb 2026)