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$47,082
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,547
−HK$1,488/mo
Today · 4.125%
HK$50,035
baseline
▲ 0.50% · 4.625%
HK$53,079
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,070/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,379
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,783
−HK$1,425/mo
Today · 4.125%
HK$55,208
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$2,911/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,416/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,499
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,256
−HK$1,786/mo
Today · 4.125%
HK$60,042
baseline
▲ 0.50% · 4.625%
HK$63,695
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,084/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,854
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,540
−HK$1,710/mo
Today · 4.125%
HK$66,250
baseline
▲ 0.50% · 4.625%
HK$69,742
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,500/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,915
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$2,083/mo
Today · 4.125%
HK$70,049
baseline
▲ 0.50% · 4.625%
HK$74,311
+HK$4,262/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,098/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,330
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,297
−HK$1,995/mo
Today · 4.125%
HK$77,292
baseline
▲ 0.50% · 4.625%
HK$81,366
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,584/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,748
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,384
−HK$2,679/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$95,543
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,281
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,810
−HK$2,565/mo
Today · 4.125%
HK$99,375
baseline
▲ 0.50% · 4.625%
HK$104,613
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,750/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,781 · Scale 2, in force from 26 Feb 2026)