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$47,123
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,589
−HK$1,489/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$53,125
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,424
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,830
−HK$1,426/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,169
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,547
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,787/mo
Today · 4.125%
HK$60,093
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,186/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,712/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,972
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,024
−HK$2,085/mo
Today · 4.125%
HK$70,109
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,218/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,393
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,361
−HK$1,997/mo
Today · 4.125%
HK$77,358
baseline
▲ 0.50% · 4.625%
HK$81,436
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,716/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,821
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,459
−HK$2,681/mo
Today · 4.125%
HK$90,140
baseline
▲ 0.50% · 4.625%
HK$95,625
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,280/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,362
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,893
−HK$2,568/mo
Today · 4.125%
HK$99,461
baseline
▲ 0.50% · 4.625%
HK$104,703
+HK$5,242/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,922/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,556 · Scale 2, in force from 26 Feb 2026)