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$47,077
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,541
−HK$1,488/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,373
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,425/mo
Today · 4.125%
HK$55,202
baseline
▲ 0.50% · 4.625%
HK$58,112
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,404/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,786/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,847
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,533
−HK$1,709/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$69,734
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,908
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,958
−HK$2,083/mo
Today · 4.125%
HK$70,041
baseline
▲ 0.50% · 4.625%
HK$74,302
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,082/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,322
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$1,995/mo
Today · 4.125%
HK$77,283
baseline
▲ 0.50% · 4.625%
HK$81,357
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,566/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,738
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,374
−HK$2,678/mo
Today · 4.125%
HK$90,052
baseline
▲ 0.50% · 4.625%
HK$95,532
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,104/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,271
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,799
−HK$2,565/mo
Today · 4.125%
HK$99,364
baseline
▲ 0.50% · 4.625%
HK$104,601
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,728/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,542 · Scale 2, in force from 26 Feb 2026)