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$47,114
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,580
−HK$1,489/mo
Today · 4.125%
HK$50,069
baseline
▲ 0.50% · 4.625%
HK$53,115
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,138/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,414
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,426/mo
Today · 4.125%
HK$55,246
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,492/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,786/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,738
+HK$3,656/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,897
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,584
−HK$1,711/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,960
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,011
−HK$2,085/mo
Today · 4.125%
HK$70,096
baseline
▲ 0.50% · 4.625%
HK$74,361
+HK$4,265/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,192/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,380
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,348
−HK$1,996/mo
Today · 4.125%
HK$77,344
baseline
▲ 0.50% · 4.625%
HK$81,421
+HK$4,077/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,688/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,805
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,443
−HK$2,680/mo
Today · 4.125%
HK$90,123
baseline
▲ 0.50% · 4.625%
HK$95,607
+HK$5,484/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,246/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,345
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,875
−HK$2,567/mo
Today · 4.125%
HK$99,442
baseline
▲ 0.50% · 4.625%
HK$104,684
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,884/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,175 · Scale 2, in force from 26 Feb 2026)