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$47,183
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,650
−HK$1,491/mo
Today · 4.125%
HK$50,141
baseline
▲ 0.50% · 4.625%
HK$53,192
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,282/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,490
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,898
−HK$1,428/mo
Today · 4.125%
HK$55,326
baseline
▲ 0.50% · 4.625%
HK$58,242
+HK$2,916/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,652/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,619
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,380
−HK$1,790/mo
Today · 4.125%
HK$60,170
baseline
▲ 0.50% · 4.625%
HK$63,831
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,340/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,988
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,678
−HK$1,713/mo
Today · 4.125%
HK$66,391
baseline
▲ 0.50% · 4.625%
HK$69,891
+HK$3,500/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,782/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,056
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,110
−HK$2,088/mo
Today · 4.125%
HK$70,198
baseline
▲ 0.50% · 4.625%
HK$74,469
+HK$4,271/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,396/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,486
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,457
−HK$1,999/mo
Today · 4.125%
HK$77,456
baseline
▲ 0.50% · 4.625%
HK$81,539
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,912/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,929
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,570
−HK$2,684/mo
Today · 4.125%
HK$90,254
baseline
▲ 0.50% · 4.625%
HK$95,746
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,508/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,482
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,016
−HK$2,571/mo
Today · 4.125%
HK$99,587
baseline
▲ 0.50% · 4.625%
HK$104,836
+HK$5,249/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,174/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,180 · Scale 2, in force from 26 Feb 2026)