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$47,186
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,491/mo
Today · 4.125%
HK$50,145
baseline
▲ 0.50% · 4.625%
HK$53,196
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,290/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,494
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,428/mo
Today · 4.125%
HK$55,330
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,660/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,623
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,789/mo
Today · 4.125%
HK$60,174
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,348/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,993
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,714/mo
Today · 4.125%
HK$66,396
baseline
▲ 0.50% · 4.625%
HK$69,896
+HK$3,500/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,792/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,061
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$2,087/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$4,272/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,492
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$1,999/mo
Today · 4.125%
HK$77,462
baseline
▲ 0.50% · 4.625%
HK$81,546
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,924/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,935
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,684/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,753
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,489
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,024
−HK$2,570/mo
Today · 4.125%
HK$99,594
baseline
▲ 0.50% · 4.625%
HK$104,844
+HK$5,250/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,188/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,337 · Scale 2, in force from 26 Feb 2026)