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$47,174
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,641
−HK$1,491/mo
Today · 4.125%
HK$50,132
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,264/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,480
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,888
−HK$1,428/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,231
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,608
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,369
−HK$1,789/mo
Today · 4.125%
HK$60,158
baseline
▲ 0.50% · 4.625%
HK$63,819
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$120,316/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,976
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,665
−HK$1,714/mo
Today · 4.125%
HK$66,379
baseline
▲ 0.50% · 4.625%
HK$69,878
+HK$3,499/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$132,758/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,043
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,098
−HK$2,087/mo
Today · 4.125%
HK$70,185
baseline
▲ 0.50% · 4.625%
HK$74,455
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,370/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,472
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,443
−HK$1,999/mo
Today · 4.125%
HK$77,442
baseline
▲ 0.50% · 4.625%
HK$81,524
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,884/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,913
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,554
−HK$2,684/mo
Today · 4.125%
HK$90,238
baseline
▲ 0.50% · 4.625%
HK$95,728
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,476/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,465
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,998
−HK$2,570/mo
Today · 4.125%
HK$99,568
baseline
▲ 0.50% · 4.625%
HK$104,817
+HK$5,249/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,136/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,791 · Scale 2, in force from 26 Feb 2026)