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$47,135
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,490/mo
Today · 4.125%
HK$50,091
baseline
▲ 0.50% · 4.625%
HK$53,138
+HK$3,047/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,182/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,437
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,843
−HK$1,427/mo
Today · 4.125%
HK$55,270
baseline
▲ 0.50% · 4.625%
HK$58,183
+HK$2,913/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,540/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,562
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,321
−HK$1,788/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,766
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,924
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,712/mo
Today · 4.125%
HK$66,324
baseline
▲ 0.50% · 4.625%
HK$69,820
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,648/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,041
−HK$2,086/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,412
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$1,997/mo
Today · 4.125%
HK$77,378
baseline
▲ 0.50% · 4.625%
HK$81,457
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,756/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,843
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,482
−HK$2,681/mo
Today · 4.125%
HK$90,163
baseline
▲ 0.50% · 4.625%
HK$95,649
+HK$5,486/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,326/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,387
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,918
−HK$2,568/mo
Today · 4.125%
HK$99,486
baseline
▲ 0.50% · 4.625%
HK$104,730
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,972/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,084 · Scale 2, in force from 26 Feb 2026)