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$47,108
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,574
−HK$1,489/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$53,109
+HK$3,046/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,408
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,426/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,151
+HK$2,912/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,530
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,289
−HK$1,786/mo
Today · 4.125%
HK$60,075
baseline
▲ 0.50% · 4.625%
HK$63,730
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$120,150/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,889
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,711/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$69,781
+HK$3,494/mo
Deposit HK$8.26M · loan HK$12.40M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,952
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$2,085/mo
Today · 4.125%
HK$70,088
baseline
▲ 0.50% · 4.625%
HK$74,352
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,176/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,371
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,338
−HK$1,997/mo
Today · 4.125%
HK$77,335
baseline
▲ 0.50% · 4.625%
HK$81,411
+HK$4,076/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,670/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,795
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,433
−HK$2,680/mo
Today · 4.125%
HK$90,113
baseline
▲ 0.50% · 4.625%
HK$95,596
+HK$5,483/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,226/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,334
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,864
−HK$2,566/mo
Today · 4.125%
HK$99,430
baseline
▲ 0.50% · 4.625%
HK$104,671
+HK$5,241/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,860/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,927 · Scale 2, in force from 26 Feb 2026)