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$47,123
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,589
−HK$1,489/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$3,048/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,424
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,830
−HK$1,427/mo
Today · 4.125%
HK$55,257
baseline
▲ 0.50% · 4.625%
HK$58,169
+HK$2,912/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$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,548
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,787/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,596
−HK$1,712/mo
Today · 4.125%
HK$66,308
baseline
▲ 0.50% · 4.625%
HK$69,803
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,616/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$2,085/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$74,376
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,394
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,362
−HK$1,997/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$81,437
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,822
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,460
−HK$2,681/mo
Today · 4.125%
HK$90,141
baseline
▲ 0.50% · 4.625%
HK$95,626
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,282/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,364
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,894
−HK$2,568/mo
Today · 4.125%
HK$99,462
baseline
▲ 0.50% · 4.625%
HK$104,705
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,924/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,580 · Scale 2, in force from 26 Feb 2026)