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$47,078
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,488/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,374
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,779
−HK$1,425/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,494
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,251
−HK$1,786/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,690
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,849
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,535
−HK$1,710/mo
Today · 4.125%
HK$66,245
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,490/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,910
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,960
−HK$2,083/mo
Today · 4.125%
HK$70,043
baseline
▲ 0.50% · 4.625%
HK$74,305
+HK$4,262/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,086/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,324
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,290
−HK$1,995/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,359
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,741
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,377
−HK$2,678/mo
Today · 4.125%
HK$90,055
baseline
▲ 0.50% · 4.625%
HK$95,535
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,110/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,274
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,565/mo
Today · 4.125%
HK$99,367
baseline
▲ 0.50% · 4.625%
HK$104,605
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,734/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,610 · Scale 2, in force from 26 Feb 2026)