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$47,223
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,492/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$3,054/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,430/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,668
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,791/mo
Today · 4.125%
HK$60,221
baseline
▲ 0.50% · 4.625%
HK$63,886
+HK$3,665/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,442/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,042
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,715/mo
Today · 4.125%
HK$66,448
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,896/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,112
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$2,089/mo
Today · 4.125%
HK$70,258
baseline
▲ 0.50% · 4.625%
HK$74,533
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,516/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,549
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,522
−HK$2,001/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,002
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,646
−HK$2,686/mo
Today · 4.125%
HK$90,332
baseline
▲ 0.50% · 4.625%
HK$95,828
+HK$5,496/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,664/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,563
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,100
−HK$2,572/mo
Today · 4.125%
HK$99,672
baseline
▲ 0.50% · 4.625%
HK$104,926
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,344/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,957 · Scale 2, in force from 26 Feb 2026)