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$47,093
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,489/mo
Today · 4.125%
HK$50,047
baseline
▲ 0.50% · 4.625%
HK$53,092
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,094/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,391
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,796
−HK$1,425/mo
Today · 4.125%
HK$55,221
baseline
▲ 0.50% · 4.625%
HK$58,132
+HK$2,911/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,442/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,512
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,270
−HK$1,786/mo
Today · 4.125%
HK$60,056
baseline
▲ 0.50% · 4.625%
HK$63,710
+HK$3,654/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,112/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,869
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,555
−HK$1,711/mo
Today · 4.125%
HK$66,266
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,532/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,931
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$2,083/mo
Today · 4.125%
HK$70,065
baseline
▲ 0.50% · 4.625%
HK$74,329
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,130/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,314
−HK$1,996/mo
Today · 4.125%
HK$77,310
baseline
▲ 0.50% · 4.625%
HK$81,385
+HK$4,075/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,620/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,768
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,405
−HK$2,679/mo
Today · 4.125%
HK$90,084
baseline
▲ 0.50% · 4.625%
HK$95,565
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,168/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,304
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,833
−HK$2,566/mo
Today · 4.125%
HK$99,399
baseline
▲ 0.50% · 4.625%
HK$104,638
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,798/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,269 · Scale 2, in force from 26 Feb 2026)