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$47,343
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,496/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$53,373
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,081
−HK$1,433/mo
Today · 4.125%
HK$55,514
baseline
▲ 0.50% · 4.625%
HK$58,441
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,028/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,812
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,579
−HK$1,795/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$64,048
+HK$3,674/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,898
−HK$1,719/mo
Today · 4.125%
HK$66,617
baseline
▲ 0.50% · 4.625%
HK$70,129
+HK$3,512/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,234/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,342
−HK$2,095/mo
Today · 4.125%
HK$70,437
baseline
▲ 0.50% · 4.625%
HK$74,723
+HK$4,286/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,874/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,736
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,714
−HK$2,006/mo
Today · 4.125%
HK$77,720
baseline
▲ 0.50% · 4.625%
HK$81,817
+HK$4,097/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,440/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,218
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,868
−HK$2,694/mo
Today · 4.125%
HK$90,562
baseline
▲ 0.50% · 4.625%
HK$96,072
+HK$5,510/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,124/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,804
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,346
−HK$2,580/mo
Today · 4.125%
HK$99,926
baseline
▲ 0.50% · 4.625%
HK$105,193
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,852/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,219 · Scale 2, in force from 26 Feb 2026)