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$47,165
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,632
−HK$1,490/mo
Today · 4.125%
HK$50,122
baseline
▲ 0.50% · 4.625%
HK$53,172
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,244/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,470
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,878
−HK$1,427/mo
Today · 4.125%
HK$55,305
baseline
▲ 0.50% · 4.625%
HK$58,220
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,610/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,598
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,358
−HK$1,789/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,807
+HK$3,660/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,964
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,653
−HK$1,713/mo
Today · 4.125%
HK$66,366
baseline
▲ 0.50% · 4.625%
HK$69,864
+HK$3,498/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,732/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,031
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,085
−HK$2,086/mo
Today · 4.125%
HK$70,171
baseline
▲ 0.50% · 4.625%
HK$74,441
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,342/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,459
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,429
−HK$1,998/mo
Today · 4.125%
HK$77,427
baseline
▲ 0.50% · 4.625%
HK$81,509
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,854/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,897
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,537
−HK$2,683/mo
Today · 4.125%
HK$90,220
baseline
▲ 0.50% · 4.625%
HK$95,710
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,440/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,447
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,980
−HK$2,569/mo
Today · 4.125%
HK$99,549
baseline
▲ 0.50% · 4.625%
HK$104,797
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,098/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,400 · Scale 2, in force from 26 Feb 2026)