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$47,212
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,492/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$53,225
+HK$3,053/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,522
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,931
−HK$1,429/mo
Today · 4.125%
HK$55,360
baseline
▲ 0.50% · 4.625%
HK$58,278
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,720/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,654
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,416
−HK$1,791/mo
Today · 4.125%
HK$60,207
baseline
▲ 0.50% · 4.625%
HK$63,870
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,414/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,027
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,717
−HK$1,715/mo
Today · 4.125%
HK$66,432
baseline
▲ 0.50% · 4.625%
HK$69,934
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,864/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,096
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,152
−HK$2,089/mo
Today · 4.125%
HK$70,241
baseline
▲ 0.50% · 4.625%
HK$74,515
+HK$4,274/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,482/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,531
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,503
−HK$2,001/mo
Today · 4.125%
HK$77,504
baseline
▲ 0.50% · 4.625%
HK$81,589
+HK$4,085/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$155,008/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,981
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,624
−HK$2,686/mo
Today · 4.125%
HK$90,310
baseline
▲ 0.50% · 4.625%
HK$95,805
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,620/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,540
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,076
−HK$2,572/mo
Today · 4.125%
HK$99,648
baseline
▲ 0.50% · 4.625%
HK$104,900
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,296/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,448 · Scale 2, in force from 26 Feb 2026)