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$47,127
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,490/mo
Today · 4.125%
HK$50,082
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,164/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,428
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,834
−HK$1,426/mo
Today · 4.125%
HK$55,260
baseline
▲ 0.50% · 4.625%
HK$58,173
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,520/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,552
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,311
−HK$1,787/mo
Today · 4.125%
HK$60,098
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,196/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,601
−HK$1,711/mo
Today · 4.125%
HK$66,312
baseline
▲ 0.50% · 4.625%
HK$69,808
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,624/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$2,086/mo
Today · 4.125%
HK$70,115
baseline
▲ 0.50% · 4.625%
HK$74,381
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,230/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,399
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,367
−HK$1,997/mo
Today · 4.125%
HK$77,364
baseline
▲ 0.50% · 4.625%
HK$81,442
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,728/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,828
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,466
−HK$2,681/mo
Today · 4.125%
HK$90,147
baseline
▲ 0.50% · 4.625%
HK$95,632
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,294/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,370
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,901
−HK$2,568/mo
Today · 4.125%
HK$99,469
baseline
▲ 0.50% · 4.625%
HK$104,712
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,938/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,722 · Scale 2, in force from 26 Feb 2026)