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$47,141
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,490/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$53,145
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,850
−HK$1,427/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,191
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,569
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,787/mo
Today · 4.125%
HK$60,116
baseline
▲ 0.50% · 4.625%
HK$63,774
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,232/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,932
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,620
−HK$1,712/mo
Today · 4.125%
HK$66,332
baseline
▲ 0.50% · 4.625%
HK$69,829
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,664/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,997
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$2,086/mo
Today · 4.125%
HK$70,136
baseline
▲ 0.50% · 4.625%
HK$74,403
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,272/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$1,998/mo
Today · 4.125%
HK$77,388
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,776/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,853
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,493
−HK$2,681/mo
Today · 4.125%
HK$90,174
baseline
▲ 0.50% · 4.625%
HK$95,661
+HK$5,487/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,348/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,398
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,930
−HK$2,569/mo
Today · 4.125%
HK$99,499
baseline
▲ 0.50% · 4.625%
HK$104,743
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$198,998/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,344 · Scale 2, in force from 26 Feb 2026)