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$2,955/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,489/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,411
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,817
−HK$1,425/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$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,534
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,292
−HK$1,787/mo
Today · 4.125%
HK$60,079
baseline
▲ 0.50% · 4.625%
HK$63,734
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,158/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,893
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,580
−HK$1,711/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$69,785
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,956
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$2,085/mo
Today · 4.125%
HK$70,092
baseline
▲ 0.50% · 4.625%
HK$74,357
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,184/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,375
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,343
−HK$1,996/mo
Today · 4.125%
HK$77,339
baseline
▲ 0.50% · 4.625%
HK$81,416
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,678/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,800
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,438
−HK$2,680/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$95,602
+HK$5,484/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,340
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,870
−HK$2,566/mo
Today · 4.125%
HK$99,436
baseline
▲ 0.50% · 4.625%
HK$104,678
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,872/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,055 · Scale 2, in force from 26 Feb 2026)