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$47,174
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,642
−HK$1,491/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$53,183
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,481
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,428/mo
Today · 4.125%
HK$55,317
baseline
▲ 0.50% · 4.625%
HK$58,232
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,634/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,609
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,370
−HK$1,789/mo
Today · 4.125%
HK$60,159
baseline
▲ 0.50% · 4.625%
HK$63,820
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$120,318/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,977
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,666
−HK$1,714/mo
Today · 4.125%
HK$66,380
baseline
▲ 0.50% · 4.625%
HK$69,879
+HK$3,499/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$132,760/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,099
−HK$2,087/mo
Today · 4.125%
HK$70,186
baseline
▲ 0.50% · 4.625%
HK$74,456
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,372/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,444
−HK$1,999/mo
Today · 4.125%
HK$77,443
baseline
▲ 0.50% · 4.625%
HK$81,525
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,886/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,914
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,555
−HK$2,684/mo
Today · 4.125%
HK$90,239
baseline
▲ 0.50% · 4.625%
HK$95,730
+HK$5,491/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,478/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,466
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,000
−HK$2,570/mo
Today · 4.125%
HK$99,570
baseline
▲ 0.50% · 4.625%
HK$104,818
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,140/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,823 · Scale 2, in force from 26 Feb 2026)