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$47,238
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,708
−HK$1,493/mo
Today · 4.125%
HK$50,201
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,402/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,552
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,962
−HK$1,430/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,311
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,686
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,449
−HK$1,792/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,716/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$69,974
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,134
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$2,090/mo
Today · 4.125%
HK$70,281
baseline
▲ 0.50% · 4.625%
HK$74,558
+HK$4,277/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,562/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,573
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,546
−HK$2,002/mo
Today · 4.125%
HK$77,548
baseline
▲ 0.50% · 4.625%
HK$81,636
+HK$4,088/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,096/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,029
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,674
−HK$2,687/mo
Today · 4.125%
HK$90,361
baseline
▲ 0.50% · 4.625%
HK$95,860
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,722/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,594
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,131
−HK$2,574/mo
Today · 4.125%
HK$99,705
baseline
▲ 0.50% · 4.625%
HK$104,960
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,410/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,631 · Scale 2, in force from 26 Feb 2026)