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$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,497/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,724
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,434/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,871
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,640
−HK$1,797/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$64,115
+HK$3,678/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,268
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,721/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,202
+HK$3,516/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,349
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$2,097/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$4,290/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,813
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,793
−HK$2,008/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$81,902
+HK$4,101/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,306
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,960
−HK$2,696/mo
Today · 4.125%
HK$90,656
baseline
▲ 0.50% · 4.625%
HK$96,172
+HK$5,516/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,312/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,902
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,448
−HK$2,582/mo
Today · 4.125%
HK$100,030
baseline
▲ 0.50% · 4.625%
HK$105,302
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,060/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,381 · Scale 2, in force from 26 Feb 2026)