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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$2,834/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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,788/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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,933
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,712/mo
Today · 4.125%
HK$66,333
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,666/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,378 · 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$74,404
+HK$4,267/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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,422
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,391
−HK$1,998/mo
Today · 4.125%
HK$77,389
baseline
▲ 0.50% · 4.625%
HK$81,468
+HK$4,079/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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,855
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,494
−HK$2,682/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$817,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,400
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,932
−HK$2,568/mo
Today · 4.125%
HK$99,500
baseline
▲ 0.50% · 4.625%
HK$104,745
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,000/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,378 · Scale 2, in force from 26 Feb 2026)