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$47,252
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,494/mo
Today · 4.125%
HK$50,215
baseline
▲ 0.50% · 4.625%
HK$53,270
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,430/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,567
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,977
−HK$1,430/mo
Today · 4.125%
HK$55,407
baseline
▲ 0.50% · 4.625%
HK$58,328
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,814/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,792/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,080
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,716/mo
Today · 4.125%
HK$66,488
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,976/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,152
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$2,091/mo
Today · 4.125%
HK$70,301
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,602/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,594
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,568
−HK$2,002/mo
Today · 4.125%
HK$77,570
baseline
▲ 0.50% · 4.625%
HK$81,659
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,140/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,053
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,699
−HK$2,688/mo
Today · 4.125%
HK$90,387
baseline
▲ 0.50% · 4.625%
HK$95,886
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,774/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,621
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,158
−HK$2,575/mo
Today · 4.125%
HK$99,733
baseline
▲ 0.50% · 4.625%
HK$104,990
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,466/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,208 · Scale 2, in force from 26 Feb 2026)