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$47,177
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,491/mo
Today · 4.125%
HK$50,136
baseline
▲ 0.50% · 4.625%
HK$53,186
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,272/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,484
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,892
−HK$1,428/mo
Today · 4.125%
HK$55,320
baseline
▲ 0.50% · 4.625%
HK$58,236
+HK$2,916/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,640/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,613
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,374
−HK$1,789/mo
Today · 4.125%
HK$60,163
baseline
▲ 0.50% · 4.625%
HK$63,824
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$120,326/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,981
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,670
−HK$1,714/mo
Today · 4.125%
HK$66,384
baseline
▲ 0.50% · 4.625%
HK$69,883
+HK$3,499/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$132,768/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,048
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$2,087/mo
Today · 4.125%
HK$70,190
baseline
▲ 0.50% · 4.625%
HK$74,461
+HK$4,271/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,380/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,478
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,449
−HK$1,999/mo
Today · 4.125%
HK$77,448
baseline
▲ 0.50% · 4.625%
HK$81,530
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,896/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,919
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,561
−HK$2,683/mo
Today · 4.125%
HK$90,244
baseline
▲ 0.50% · 4.625%
HK$95,736
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,488/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,472
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,006
−HK$2,570/mo
Today · 4.125%
HK$99,576
baseline
▲ 0.50% · 4.625%
HK$104,825
+HK$5,249/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,152/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,951 · Scale 2, in force from 26 Feb 2026)