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$47,062
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,488/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$53,057
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,761
−HK$1,424/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,094
+HK$2,909/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,475
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,232
−HK$1,784/mo
Today · 4.125%
HK$60,016
baseline
▲ 0.50% · 4.625%
HK$63,668
+HK$3,652/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$120,032/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,828
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,513
−HK$1,709/mo
Today · 4.125%
HK$66,222
baseline
▲ 0.50% · 4.625%
HK$69,713
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$132,444/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,937
−HK$2,082/mo
Today · 4.125%
HK$70,019
baseline
▲ 0.50% · 4.625%
HK$74,280
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,038/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,299
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,265
−HK$1,994/mo
Today · 4.125%
HK$77,259
baseline
▲ 0.50% · 4.625%
HK$81,332
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,518/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,712
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,347
−HK$2,677/mo
Today · 4.125%
HK$90,024
baseline
▲ 0.50% · 4.625%
HK$95,502
+HK$5,478/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,048/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,242
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,769
−HK$2,564/mo
Today · 4.125%
HK$99,333
baseline
▲ 0.50% · 4.625%
HK$104,569
+HK$5,236/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,666/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,908 · Scale 2, in force from 26 Feb 2026)