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$47,193
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,661
−HK$1,491/mo
Today · 4.125%
HK$50,152
baseline
▲ 0.50% · 4.625%
HK$53,204
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,304/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,501
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,429/mo
Today · 4.125%
HK$55,338
baseline
▲ 0.50% · 4.625%
HK$58,255
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,676/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,631
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,393
−HK$1,789/mo
Today · 4.125%
HK$60,182
baseline
▲ 0.50% · 4.625%
HK$63,844
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,364/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,002
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,691
−HK$1,714/mo
Today · 4.125%
HK$66,405
baseline
▲ 0.50% · 4.625%
HK$69,906
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,810/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,125
−HK$2,088/mo
Today · 4.125%
HK$70,213
baseline
▲ 0.50% · 4.625%
HK$74,485
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,426/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,502
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,473
−HK$2,000/mo
Today · 4.125%
HK$77,473
baseline
▲ 0.50% · 4.625%
HK$81,557
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,946/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,947
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,589
−HK$2,685/mo
Today · 4.125%
HK$90,274
baseline
▲ 0.50% · 4.625%
HK$95,767
+HK$5,493/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,548/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,502
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,037
−HK$2,571/mo
Today · 4.125%
HK$99,608
baseline
▲ 0.50% · 4.625%
HK$104,859
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,216/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,620 · Scale 2, in force from 26 Feb 2026)