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$47,056
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,487/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$53,050
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,425/mo
Today · 4.125%
HK$55,178
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,356/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,467
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,784/mo
Today · 4.125%
HK$60,008
baseline
▲ 0.50% · 4.625%
HK$63,660
+HK$3,652/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,016/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,819
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,504
−HK$1,709/mo
Today · 4.125%
HK$66,213
baseline
▲ 0.50% · 4.625%
HK$69,703
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,426/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,879
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$2,082/mo
Today · 4.125%
HK$70,010
baseline
▲ 0.50% · 4.625%
HK$74,270
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,020/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,289
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,255
−HK$1,994/mo
Today · 4.125%
HK$77,249
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,072/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,498/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,701
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,336
−HK$2,676/mo
Today · 4.125%
HK$90,012
baseline
▲ 0.50% · 4.625%
HK$95,489
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,024/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,229
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,756
−HK$2,564/mo
Today · 4.125%
HK$99,320
baseline
▲ 0.50% · 4.625%
HK$104,555
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,640/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,631 · Scale 2, in force from 26 Feb 2026)