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$47,055
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,487/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$53,049
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,424/mo
Today · 4.125%
HK$55,177
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,354/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,466
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,223
−HK$1,784/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,659
+HK$3,652/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,818
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,503
−HK$1,709/mo
Today · 4.125%
HK$66,212
baseline
▲ 0.50% · 4.625%
HK$69,702
+HK$3,490/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,424/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,877
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$2,082/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$74,268
+HK$4,259/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,288
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$1,993/mo
Today · 4.125%
HK$77,247
baseline
▲ 0.50% · 4.625%
HK$81,319
+HK$4,072/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,494/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,700
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,334
−HK$2,677/mo
Today · 4.125%
HK$90,011
baseline
▲ 0.50% · 4.625%
HK$95,488
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,022/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,227
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,755
−HK$2,563/mo
Today · 4.125%
HK$99,318
baseline
▲ 0.50% · 4.625%
HK$104,553
+HK$5,235/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,636/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,597 · Scale 2, in force from 26 Feb 2026)