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$47,091
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,556
−HK$1,489/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$53,090
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,794
−HK$1,425/mo
Today · 4.125%
HK$55,219
baseline
▲ 0.50% · 4.625%
HK$58,130
+HK$2,911/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,438/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,510
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,268
−HK$1,785/mo
Today · 4.125%
HK$60,053
baseline
▲ 0.50% · 4.625%
HK$63,708
+HK$3,655/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,106/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,867
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,553
−HK$1,710/mo
Today · 4.125%
HK$66,263
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,526/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,979
−HK$2,083/mo
Today · 4.125%
HK$70,062
baseline
▲ 0.50% · 4.625%
HK$74,325
+HK$4,263/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,124/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,344
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,311
−HK$1,996/mo
Today · 4.125%
HK$77,307
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,075/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,614/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,765
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,401
−HK$2,679/mo
Today · 4.125%
HK$90,080
baseline
▲ 0.50% · 4.625%
HK$95,561
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,160/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,300
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,829
−HK$2,566/mo
Today · 4.125%
HK$99,395
baseline
▲ 0.50% · 4.625%
HK$104,634
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,790/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,184 · Scale 2, in force from 26 Feb 2026)