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$47,223
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,493/mo
Today · 4.125%
HK$50,185
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$3,053/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,370/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,536
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,945
−HK$1,429/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,293
+HK$2,919/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,668
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,431
−HK$1,791/mo
Today · 4.125%
HK$60,222
baseline
▲ 0.50% · 4.625%
HK$63,886
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,444/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,043
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,716/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,113
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,169
−HK$2,090/mo
Today · 4.125%
HK$70,259
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,518/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,550
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,522
−HK$2,001/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$81,610
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,002
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,646
−HK$2,686/mo
Today · 4.125%
HK$90,332
baseline
▲ 0.50% · 4.625%
HK$95,829
+HK$5,497/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,664/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,564
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,100
−HK$2,573/mo
Today · 4.125%
HK$99,673
baseline
▲ 0.50% · 4.625%
HK$104,927
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,346/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,968 · Scale 2, in force from 26 Feb 2026)