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$47,142
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,608
−HK$1,490/mo
Today · 4.125%
HK$50,098
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,196/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,445
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,851
−HK$1,427/mo
Today · 4.125%
HK$55,278
baseline
▲ 0.50% · 4.625%
HK$58,192
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,556/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,330
−HK$1,787/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,934
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,713/mo
Today · 4.125%
HK$66,334
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,668/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,998
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,051
−HK$2,086/mo
Today · 4.125%
HK$70,137
baseline
▲ 0.50% · 4.625%
HK$74,405
+HK$4,268/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,274/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,423
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,392
−HK$1,997/mo
Today · 4.125%
HK$77,389
baseline
▲ 0.50% · 4.625%
HK$81,469
+HK$4,080/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,778/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,855
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,495
−HK$2,681/mo
Today · 4.125%
HK$90,176
baseline
▲ 0.50% · 4.625%
HK$95,663
+HK$5,487/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,352/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,400
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,932
−HK$2,569/mo
Today · 4.125%
HK$99,501
baseline
▲ 0.50% · 4.625%
HK$104,745
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,002/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,386 · Scale 2, in force from 26 Feb 2026)