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$47,399
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,873
−HK$1,498/mo
Today · 4.125%
HK$50,371
baseline
▲ 0.50% · 4.625%
HK$53,436
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,742/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,731
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,145
−HK$1,435/mo
Today · 4.125%
HK$55,580
baseline
▲ 0.50% · 4.625%
HK$58,509
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,160/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,879
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,648
−HK$1,798/mo
Today · 4.125%
HK$60,446
baseline
▲ 0.50% · 4.625%
HK$64,123
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,892/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,277
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,974
−HK$1,722/mo
Today · 4.125%
HK$66,696
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$3,515/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,392/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,359
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,423
−HK$2,097/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,811
+HK$4,291/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,823
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,803
−HK$2,009/mo
Today · 4.125%
HK$77,812
baseline
▲ 0.50% · 4.625%
HK$81,913
+HK$4,101/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,624/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,318
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,972
−HK$2,696/mo
Today · 4.125%
HK$90,668
baseline
▲ 0.50% · 4.625%
HK$96,185
+HK$5,517/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,336/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,916
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,461
−HK$2,582/mo
Today · 4.125%
HK$100,043
baseline
▲ 0.50% · 4.625%
HK$105,317
+HK$5,274/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,086/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,667 · Scale 2, in force from 26 Feb 2026)