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$47,270
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,740
−HK$1,494/mo
Today · 4.125%
HK$50,234
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,468/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,588
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,998
−HK$1,431/mo
Today · 4.125%
HK$55,429
baseline
▲ 0.50% · 4.625%
HK$58,350
+HK$2,921/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,858/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,724
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,489
−HK$1,792/mo
Today · 4.125%
HK$60,281
baseline
▲ 0.50% · 4.625%
HK$63,949
+HK$3,668/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,562/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,105
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,797
−HK$1,717/mo
Today · 4.125%
HK$66,514
baseline
▲ 0.50% · 4.625%
HK$70,020
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,028/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,178
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,237
−HK$2,091/mo
Today · 4.125%
HK$70,328
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$4,279/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,656/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,597
−HK$2,003/mo
Today · 4.125%
HK$77,600
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,200/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,086
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,733
−HK$2,689/mo
Today · 4.125%
HK$90,422
baseline
▲ 0.50% · 4.625%
HK$95,924
+HK$5,502/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,844/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,658
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,196
−HK$2,576/mo
Today · 4.125%
HK$99,772
baseline
▲ 0.50% · 4.625%
HK$105,031
+HK$5,259/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,544/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,018 · Scale 2, in force from 26 Feb 2026)