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$47,070
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,534
−HK$1,487/mo
Today · 4.125%
HK$50,021
baseline
▲ 0.50% · 4.625%
HK$53,065
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,042/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,364
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,769
−HK$1,424/mo
Today · 4.125%
HK$55,193
baseline
▲ 0.50% · 4.625%
HK$58,103
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,386/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,483
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,240
−HK$1,785/mo
Today · 4.125%
HK$60,025
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,050/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,837
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,523
−HK$1,709/mo
Today · 4.125%
HK$66,232
baseline
▲ 0.50% · 4.625%
HK$69,723
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,464/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,897
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$2,083/mo
Today · 4.125%
HK$70,030
baseline
▲ 0.50% · 4.625%
HK$74,291
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,060/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,310
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,276
−HK$1,995/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,344
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,725
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,361
−HK$2,677/mo
Today · 4.125%
HK$90,038
baseline
▲ 0.50% · 4.625%
HK$95,517
+HK$5,479/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,076/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,256
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,784
−HK$2,564/mo
Today · 4.125%
HK$99,348
baseline
▲ 0.50% · 4.625%
HK$104,585
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,696/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,221 · Scale 2, in force from 26 Feb 2026)