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$47,176
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,491/mo
Today · 4.125%
HK$50,134
baseline
▲ 0.50% · 4.625%
HK$53,185
+HK$3,051/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,268/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,483
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,428/mo
Today · 4.125%
HK$55,318
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$2,916/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,636/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,611
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,789/mo
Today · 4.125%
HK$60,161
baseline
▲ 0.50% · 4.625%
HK$63,822
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$120,322/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,979
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,668
−HK$1,714/mo
Today · 4.125%
HK$66,382
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$3,499/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$132,764/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,046
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$2,088/mo
Today · 4.125%
HK$70,188
baseline
▲ 0.50% · 4.625%
HK$74,459
+HK$4,271/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,376/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,476
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,446
−HK$1,999/mo
Today · 4.125%
HK$77,445
baseline
▲ 0.50% · 4.625%
HK$81,528
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,890/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,916
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,558
−HK$2,683/mo
Today · 4.125%
HK$90,241
baseline
▲ 0.50% · 4.625%
HK$95,732
+HK$5,491/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,482/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,469
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$97,002
−HK$2,570/mo
Today · 4.125%
HK$99,572
baseline
▲ 0.50% · 4.625%
HK$104,821
+HK$5,249/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,144/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,881 · Scale 2, in force from 26 Feb 2026)