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$47,349
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,822
−HK$1,496/mo
Today · 4.125%
HK$50,318
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,636/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,675
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,088
−HK$1,433/mo
Today · 4.125%
HK$55,521
baseline
▲ 0.50% · 4.625%
HK$58,448
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,042/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,819
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,796/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,674/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,905
−HK$1,720/mo
Today · 4.125%
HK$66,625
baseline
▲ 0.50% · 4.625%
HK$70,137
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,250/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,288
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,350
−HK$2,095/mo
Today · 4.125%
HK$70,445
baseline
▲ 0.50% · 4.625%
HK$74,732
+HK$4,287/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,890/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,723
−HK$2,006/mo
Today · 4.125%
HK$77,729
baseline
▲ 0.50% · 4.625%
HK$81,827
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,458/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,228
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,879
−HK$2,694/mo
Today · 4.125%
HK$90,573
baseline
▲ 0.50% · 4.625%
HK$96,084
+HK$5,511/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,146/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,815
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,358
−HK$2,580/mo
Today · 4.125%
HK$99,938
baseline
▲ 0.50% · 4.625%
HK$105,206
+HK$5,268/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,876/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,472 · Scale 2, in force from 26 Feb 2026)