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$47,348
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,496/mo
Today · 4.125%
HK$50,317
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,634/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,674
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,087
−HK$1,433/mo
Today · 4.125%
HK$55,520
baseline
▲ 0.50% · 4.625%
HK$58,446
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,040/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,818
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,585
−HK$1,795/mo
Today · 4.125%
HK$60,380
baseline
▲ 0.50% · 4.625%
HK$64,054
+HK$3,674/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,760/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,209
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,904
−HK$1,720/mo
Today · 4.125%
HK$66,624
baseline
▲ 0.50% · 4.625%
HK$70,136
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,248/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$2,095/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,730
+HK$4,286/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,888/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,744
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,721
−HK$2,007/mo
Today · 4.125%
HK$77,728
baseline
▲ 0.50% · 4.625%
HK$81,825
+HK$4,097/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,456/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,877
−HK$2,694/mo
Today · 4.125%
HK$90,571
baseline
▲ 0.50% · 4.625%
HK$96,082
+HK$5,511/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,142/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,813
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,356
−HK$2,580/mo
Today · 4.125%
HK$99,936
baseline
▲ 0.50% · 4.625%
HK$105,204
+HK$5,268/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,872/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,430 · Scale 2, in force from 26 Feb 2026)