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$47,191
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,492/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,908
−HK$1,428/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,253
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,629
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,391
−HK$1,790/mo
Today · 4.125%
HK$60,181
baseline
▲ 0.50% · 4.625%
HK$63,843
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,362/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,000
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,689
−HK$1,714/mo
Today · 4.125%
HK$66,403
baseline
▲ 0.50% · 4.625%
HK$69,904
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,806/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,068
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,123
−HK$2,088/mo
Today · 4.125%
HK$70,211
baseline
▲ 0.50% · 4.625%
HK$74,483
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,422/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,500
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,471
−HK$2,000/mo
Today · 4.125%
HK$77,471
baseline
▲ 0.50% · 4.625%
HK$81,554
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,942/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,944
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,586
−HK$2,685/mo
Today · 4.125%
HK$90,271
baseline
▲ 0.50% · 4.625%
HK$95,764
+HK$5,493/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,542/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,500
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,034
−HK$2,571/mo
Today · 4.125%
HK$99,605
baseline
▲ 0.50% · 4.625%
HK$104,855
+HK$5,250/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,210/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,559 · Scale 2, in force from 26 Feb 2026)