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$47,237
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,707
−HK$1,493/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$53,254
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,551
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,430/mo
Today · 4.125%
HK$55,390
baseline
▲ 0.50% · 4.625%
HK$58,310
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,780/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,685
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,448
−HK$1,791/mo
Today · 4.125%
HK$60,239
baseline
▲ 0.50% · 4.625%
HK$63,905
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,478/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,061
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,715/mo
Today · 4.125%
HK$66,468
baseline
▲ 0.50% · 4.625%
HK$69,972
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,936/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,189
−HK$2,090/mo
Today · 4.125%
HK$70,279
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$4,277/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,558/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,571
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,001/mo
Today · 4.125%
HK$77,546
baseline
▲ 0.50% · 4.625%
HK$81,634
+HK$4,088/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,092/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,027
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,672
−HK$2,687/mo
Today · 4.125%
HK$90,359
baseline
▲ 0.50% · 4.625%
HK$95,857
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,718/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,592
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,129
−HK$2,573/mo
Today · 4.125%
HK$99,702
baseline
▲ 0.50% · 4.625%
HK$104,958
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,404/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,579 · Scale 2, in force from 26 Feb 2026)