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$47,139
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,490/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$53,143
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,442
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,848
−HK$1,427/mo
Today · 4.125%
HK$55,275
baseline
▲ 0.50% · 4.625%
HK$58,189
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,550/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,567
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,327
−HK$1,787/mo
Today · 4.125%
HK$60,114
baseline
▲ 0.50% · 4.625%
HK$63,772
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,228/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,930
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,618
−HK$1,712/mo
Today · 4.125%
HK$66,330
baseline
▲ 0.50% · 4.625%
HK$69,826
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,660/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,995
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$2,085/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$74,401
+HK$4,268/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$1,997/mo
Today · 4.125%
HK$77,385
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,770/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,851
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,490
−HK$2,681/mo
Today · 4.125%
HK$90,171
baseline
▲ 0.50% · 4.625%
HK$95,658
+HK$5,487/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,342/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,395
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,927
−HK$2,568/mo
Today · 4.125%
HK$99,495
baseline
▲ 0.50% · 4.625%
HK$104,740
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$198,990/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,275 · Scale 2, in force from 26 Feb 2026)