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$47,120
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,490/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$53,122
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,420
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,826
−HK$1,426/mo
Today · 4.125%
HK$55,252
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,504/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,544
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,787/mo
Today · 4.125%
HK$60,090
baseline
▲ 0.50% · 4.625%
HK$63,746
+HK$3,656/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,180/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,904
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,591
−HK$1,712/mo
Today · 4.125%
HK$66,303
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,606/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,968
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$2,084/mo
Today · 4.125%
HK$70,104
baseline
▲ 0.50% · 4.625%
HK$74,370
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,208/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,388
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,357
−HK$1,996/mo
Today · 4.125%
HK$77,353
baseline
▲ 0.50% · 4.625%
HK$81,431
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,706/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,816
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,454
−HK$2,680/mo
Today · 4.125%
HK$90,134
baseline
▲ 0.50% · 4.625%
HK$95,619
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,268/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,356
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,887
−HK$2,567/mo
Today · 4.125%
HK$99,454
baseline
▲ 0.50% · 4.625%
HK$104,697
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,908/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,424 · Scale 2, in force from 26 Feb 2026)