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$47,327
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,799
−HK$1,496/mo
Today · 4.125%
HK$50,295
baseline
▲ 0.50% · 4.625%
HK$53,355
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,590/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,651
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,063
−HK$1,433/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,421
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,793
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,559
−HK$1,795/mo
Today · 4.125%
HK$60,354
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,708/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,181
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,719/mo
Today · 4.125%
HK$66,595
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,190/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,258
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$2,094/mo
Today · 4.125%
HK$70,413
baseline
▲ 0.50% · 4.625%
HK$74,698
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,826/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,712
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,006/mo
Today · 4.125%
HK$77,694
baseline
▲ 0.50% · 4.625%
HK$81,789
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,388/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,189
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,839
−HK$2,692/mo
Today · 4.125%
HK$90,531
baseline
▲ 0.50% · 4.625%
HK$96,040
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,062/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,772
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,314
−HK$2,578/mo
Today · 4.125%
HK$99,892
baseline
▲ 0.50% · 4.625%
HK$105,158
+HK$5,266/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,784/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,524 · Scale 2, in force from 26 Feb 2026)