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$47,068
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,487/mo
Today · 4.125%
HK$50,019
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,038/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,362
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,767
−HK$1,424/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$2,909/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,481
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,238
−HK$1,785/mo
Today · 4.125%
HK$60,023
baseline
▲ 0.50% · 4.625%
HK$63,675
+HK$3,652/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$120,046/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,835
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,520
−HK$1,709/mo
Today · 4.125%
HK$66,229
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$132,458/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,895
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$2,083/mo
Today · 4.125%
HK$70,027
baseline
▲ 0.50% · 4.625%
HK$74,288
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,054/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,307
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,273
−HK$1,995/mo
Today · 4.125%
HK$77,268
baseline
▲ 0.50% · 4.625%
HK$81,341
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,536/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,722
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,357
−HK$2,677/mo
Today · 4.125%
HK$90,034
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$5,479/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,068/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,252
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,780
−HK$2,564/mo
Today · 4.125%
HK$99,344
baseline
▲ 0.50% · 4.625%
HK$104,581
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,688/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,136 · Scale 2, in force from 26 Feb 2026)