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$47,189
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,656
−HK$1,492/mo
Today · 4.125%
HK$50,148
baseline
▲ 0.50% · 4.625%
HK$53,199
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,296/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,497
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,905
−HK$1,428/mo
Today · 4.125%
HK$55,333
baseline
▲ 0.50% · 4.625%
HK$58,250
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,666/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,626
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,789/mo
Today · 4.125%
HK$60,177
baseline
▲ 0.50% · 4.625%
HK$63,839
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,354/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,996
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,686
−HK$1,714/mo
Today · 4.125%
HK$66,400
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$3,500/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,800/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$2,088/mo
Today · 4.125%
HK$70,207
baseline
▲ 0.50% · 4.625%
HK$74,479
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,414/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,495
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,467
−HK$1,999/mo
Today · 4.125%
HK$77,466
baseline
▲ 0.50% · 4.625%
HK$81,550
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,932/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,939
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,685/mo
Today · 4.125%
HK$90,266
baseline
▲ 0.50% · 4.625%
HK$95,758
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,532/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,494
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,028
−HK$2,571/mo
Today · 4.125%
HK$99,599
baseline
▲ 0.50% · 4.625%
HK$104,849
+HK$5,250/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,198/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,441 · Scale 2, in force from 26 Feb 2026)