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$47,192
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,491/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,428/mo
Today · 4.125%
HK$55,337
baseline
▲ 0.50% · 4.625%
HK$58,254
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,674/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,789/mo
Today · 4.125%
HK$60,181
baseline
▲ 0.50% · 4.625%
HK$63,843
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,362/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,001
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,690
−HK$1,714/mo
Today · 4.125%
HK$66,404
baseline
▲ 0.50% · 4.625%
HK$69,905
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,808/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,069
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,124
−HK$2,088/mo
Today · 4.125%
HK$70,212
baseline
▲ 0.50% · 4.625%
HK$74,484
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,424/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,501
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,472
−HK$2,000/mo
Today · 4.125%
HK$77,472
baseline
▲ 0.50% · 4.625%
HK$81,555
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,944/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,684/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,765
+HK$5,493/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,501
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,035
−HK$2,571/mo
Today · 4.125%
HK$99,606
baseline
▲ 0.50% · 4.625%
HK$104,857
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,212/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,586 · Scale 2, in force from 26 Feb 2026)