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$47,111
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,489/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$53,111
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,410
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,816
−HK$1,426/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,533
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,787/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,892
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,579
−HK$1,711/mo
Today · 4.125%
HK$66,290
baseline
▲ 0.50% · 4.625%
HK$69,784
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,580/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,955
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$2,084/mo
Today · 4.125%
HK$70,091
baseline
▲ 0.50% · 4.625%
HK$74,356
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,182/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,374
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,342
−HK$1,996/mo
Today · 4.125%
HK$77,338
baseline
▲ 0.50% · 4.625%
HK$81,415
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,676/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,799
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,437
−HK$2,680/mo
Today · 4.125%
HK$90,117
baseline
▲ 0.50% · 4.625%
HK$95,600
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,234/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,338
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,868
−HK$2,567/mo
Today · 4.125%
HK$99,435
baseline
▲ 0.50% · 4.625%
HK$104,677
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,870/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,028 · Scale 2, in force from 26 Feb 2026)