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$47,072
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,488/mo
Today · 4.125%
HK$50,024
baseline
▲ 0.50% · 4.625%
HK$53,068
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,048/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,367
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,772
−HK$1,424/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,106
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,244
−HK$1,785/mo
Today · 4.125%
HK$60,029
baseline
▲ 0.50% · 4.625%
HK$63,681
+HK$3,652/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,058/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,841
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,710/mo
Today · 4.125%
HK$66,236
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,472/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,901
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,951
−HK$2,083/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$74,295
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,314
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,280
−HK$1,995/mo
Today · 4.125%
HK$77,275
baseline
▲ 0.50% · 4.625%
HK$81,348
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,550/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,730
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,365
−HK$2,678/mo
Today · 4.125%
HK$90,043
baseline
▲ 0.50% · 4.625%
HK$95,522
+HK$5,479/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,086/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,261
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,789
−HK$2,565/mo
Today · 4.125%
HK$99,354
baseline
▲ 0.50% · 4.625%
HK$104,591
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,708/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,335 · Scale 2, in force from 26 Feb 2026)