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$47,080
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,488/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,376
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,425/mo
Today · 4.125%
HK$55,205
baseline
▲ 0.50% · 4.625%
HK$58,115
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,410/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,495
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,253
−HK$1,785/mo
Today · 4.125%
HK$60,038
baseline
▲ 0.50% · 4.625%
HK$63,691
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,076/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,851
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,536
−HK$1,710/mo
Today · 4.125%
HK$66,246
baseline
▲ 0.50% · 4.625%
HK$69,738
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,492/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,911
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$1,995/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,361
+HK$4,074/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,743
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,379
−HK$2,678/mo
Today · 4.125%
HK$90,057
baseline
▲ 0.50% · 4.625%
HK$95,537
+HK$5,480/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,114/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,276
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,804
−HK$2,565/mo
Today · 4.125%
HK$99,369
baseline
▲ 0.50% · 4.625%
HK$104,607
+HK$5,238/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,738/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,662 · Scale 2, in force from 26 Feb 2026)