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$47,088
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,553
−HK$1,488/mo
Today · 4.125%
HK$50,041
baseline
▲ 0.50% · 4.625%
HK$53,085
+HK$3,044/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,082/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,385
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,790
−HK$1,425/mo
Today · 4.125%
HK$55,215
baseline
▲ 0.50% · 4.625%
HK$58,125
+HK$2,910/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,430/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,505
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,263
−HK$1,786/mo
Today · 4.125%
HK$60,049
baseline
▲ 0.50% · 4.625%
HK$63,703
+HK$3,654/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,098/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,862
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,548
−HK$1,710/mo
Today · 4.125%
HK$66,258
baseline
▲ 0.50% · 4.625%
HK$69,750
+HK$3,492/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,516/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,923
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,974
−HK$2,083/mo
Today · 4.125%
HK$70,057
baseline
▲ 0.50% · 4.625%
HK$74,320
+HK$4,263/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$140,114/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,339
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,306
−HK$1,995/mo
Today · 4.125%
HK$77,301
baseline
▲ 0.50% · 4.625%
HK$81,376
+HK$4,075/mo
Deposit HK$6.20M · loan HK$14.46M · min. income ≈ HK$154,602/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,758
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,395
−HK$2,678/mo
Today · 4.125%
HK$90,073
baseline
▲ 0.50% · 4.625%
HK$95,554
+HK$5,481/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$180,146/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,293
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,821
−HK$2,566/mo
Today · 4.125%
HK$99,387
baseline
▲ 0.50% · 4.625%
HK$104,626
+HK$5,239/mo
Deposit HK$2.07M · loan HK$18.59M · min. income ≈ HK$198,774/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$815,024 · Scale 2, in force from 26 Feb 2026)