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$47,093
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,488/mo
Today · 4.125%
HK$50,046
baseline
▲ 0.50% · 4.625%
HK$53,091
+HK$3,045/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,092/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,390
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,795
−HK$1,426/mo
Today · 4.125%
HK$55,221
baseline
▲ 0.50% · 4.625%
HK$58,132
+HK$2,911/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,442/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,511
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,786/mo
Today · 4.125%
HK$60,055
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,654/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,110/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,555
−HK$1,710/mo
Today · 4.125%
HK$66,265
baseline
▲ 0.50% · 4.625%
HK$69,758
+HK$3,493/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,530/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,930
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,981
−HK$2,083/mo
Today · 4.125%
HK$70,064
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$4,264/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,128/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,314
−HK$1,995/mo
Today · 4.125%
HK$77,309
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,075/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,618/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,767
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,404
−HK$2,679/mo
Today · 4.125%
HK$90,083
baseline
▲ 0.50% · 4.625%
HK$95,564
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,166/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,303
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,832
−HK$2,566/mo
Today · 4.125%
HK$99,398
baseline
▲ 0.50% · 4.625%
HK$104,637
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,796/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,246 · Scale 2, in force from 26 Feb 2026)