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$47,124
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,590
−HK$1,489/mo
Today · 4.125%
HK$50,079
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,158/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,425
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,831
−HK$1,426/mo
Today · 4.125%
HK$55,257
baseline
▲ 0.50% · 4.625%
HK$58,170
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,514/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,787/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,656/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,597
−HK$1,712/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$69,804
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,026
−HK$2,085/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,395
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,363
−HK$1,997/mo
Today · 4.125%
HK$77,360
baseline
▲ 0.50% · 4.625%
HK$81,438
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,720/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,823
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,462
−HK$2,680/mo
Today · 4.125%
HK$90,142
baseline
▲ 0.50% · 4.625%
HK$95,627
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,284/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,365
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,896
−HK$2,567/mo
Today · 4.125%
HK$99,463
baseline
▲ 0.50% · 4.625%
HK$104,706
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,926/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,607 · Scale 2, in force from 26 Feb 2026)