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$47,244
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,493/mo
Today · 4.125%
HK$50,207
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,414/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,429/mo
Today · 4.125%
HK$55,398
baseline
▲ 0.50% · 4.625%
HK$58,319
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,796/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,693
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,457
−HK$1,791/mo
Today · 4.125%
HK$60,248
baseline
▲ 0.50% · 4.625%
HK$63,914
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,496/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,071
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,762
−HK$1,716/mo
Today · 4.125%
HK$66,478
baseline
▲ 0.50% · 4.625%
HK$69,982
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,956/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,142
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,200
−HK$2,090/mo
Today · 4.125%
HK$70,290
baseline
▲ 0.50% · 4.625%
HK$74,567
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,580/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,582
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,556
−HK$2,002/mo
Today · 4.125%
HK$77,558
baseline
▲ 0.50% · 4.625%
HK$81,646
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,116/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,040
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,685
−HK$2,688/mo
Today · 4.125%
HK$90,373
baseline
▲ 0.50% · 4.625%
HK$95,872
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,746/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,606
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,143
−HK$2,574/mo
Today · 4.125%
HK$99,717
baseline
▲ 0.50% · 4.625%
HK$104,974
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,434/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,889 · Scale 2, in force from 26 Feb 2026)