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$47,288
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,759
−HK$1,494/mo
Today · 4.125%
HK$50,253
baseline
▲ 0.50% · 4.625%
HK$53,311
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,506/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,018
−HK$1,432/mo
Today · 4.125%
HK$55,450
baseline
▲ 0.50% · 4.625%
HK$58,372
+HK$2,922/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,900/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,745
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,511
−HK$1,793/mo
Today · 4.125%
HK$60,304
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,669/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$120,608/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,129
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,822
−HK$1,717/mo
Today · 4.125%
HK$66,539
baseline
▲ 0.50% · 4.625%
HK$70,047
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$133,078/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,203
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,262
−HK$2,093/mo
Today · 4.125%
HK$70,355
baseline
▲ 0.50% · 4.625%
HK$74,635
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,710/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,650
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,626
−HK$2,003/mo
Today · 4.125%
HK$77,629
baseline
▲ 0.50% · 4.625%
HK$81,721
+HK$4,092/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,258/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,118
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,766
−HK$2,690/mo
Today · 4.125%
HK$90,456
baseline
▲ 0.50% · 4.625%
HK$95,960
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,912/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,693
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,233
−HK$2,576/mo
Today · 4.125%
HK$99,809
baseline
▲ 0.50% · 4.625%
HK$105,070
+HK$5,261/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,618/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,798 · Scale 2, in force from 26 Feb 2026)