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$47,119
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,489/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,419
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,825
−HK$1,426/mo
Today · 4.125%
HK$55,251
baseline
▲ 0.50% · 4.625%
HK$58,163
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,502/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,542
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,301
−HK$1,787/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,744
+HK$3,656/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,903
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,590
−HK$1,711/mo
Today · 4.125%
HK$66,301
baseline
▲ 0.50% · 4.625%
HK$69,796
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,602/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,966
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,018
−HK$2,085/mo
Today · 4.125%
HK$70,103
baseline
▲ 0.50% · 4.625%
HK$74,368
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,206/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,387
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,355
−HK$1,996/mo
Today · 4.125%
HK$77,351
baseline
▲ 0.50% · 4.625%
HK$81,429
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,702/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,814
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,452
−HK$2,680/mo
Today · 4.125%
HK$90,132
baseline
▲ 0.50% · 4.625%
HK$95,616
+HK$5,484/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,264/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,354
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,885
−HK$2,567/mo
Today · 4.125%
HK$99,452
baseline
▲ 0.50% · 4.625%
HK$104,694
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,904/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,375 · Scale 2, in force from 26 Feb 2026)