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$47,076
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,488/mo
Today · 4.125%
HK$50,028
baseline
▲ 0.50% · 4.625%
HK$53,072
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,056/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,371
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,776
−HK$1,425/mo
Today · 4.125%
HK$55,201
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$2,909/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,402/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,491
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,248
−HK$1,785/mo
Today · 4.125%
HK$60,033
baseline
▲ 0.50% · 4.625%
HK$63,686
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,066/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,845
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,531
−HK$1,710/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$69,732
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,906
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,956
−HK$2,083/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$74,300
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,320
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,286
−HK$1,995/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,354
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,736
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,372
−HK$2,678/mo
Today · 4.125%
HK$90,050
baseline
▲ 0.50% · 4.625%
HK$95,529
+HK$5,479/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,100/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,268
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,796
−HK$2,565/mo
Today · 4.125%
HK$99,361
baseline
▲ 0.50% · 4.625%
HK$104,598
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,722/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,487 · Scale 2, in force from 26 Feb 2026)