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$47,052
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,487/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,345
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,749
−HK$1,424/mo
Today · 4.125%
HK$55,173
baseline
▲ 0.50% · 4.625%
HK$58,082
+HK$2,909/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,346/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,219
−HK$1,785/mo
Today · 4.125%
HK$60,004
baseline
▲ 0.50% · 4.625%
HK$63,655
+HK$3,651/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,008/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,814
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,709/mo
Today · 4.125%
HK$66,208
baseline
▲ 0.50% · 4.625%
HK$69,698
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,416/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,922
−HK$2,082/mo
Today · 4.125%
HK$70,004
baseline
▲ 0.50% · 4.625%
HK$74,264
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$140,008/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,284
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,249
−HK$1,994/mo
Today · 4.125%
HK$77,243
baseline
▲ 0.50% · 4.625%
HK$81,314
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,486/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,694
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,329
−HK$2,677/mo
Today · 4.125%
HK$90,006
baseline
▲ 0.50% · 4.625%
HK$95,482
+HK$5,476/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,012/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,222
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,749
−HK$2,563/mo
Today · 4.125%
HK$99,312
baseline
▲ 0.50% · 4.625%
HK$104,547
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,624/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,473 · Scale 2, in force from 26 Feb 2026)