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$47,316
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,495/mo
Today · 4.125%
HK$50,283
baseline
▲ 0.50% · 4.625%
HK$53,343
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,566/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,639
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,050
−HK$1,432/mo
Today · 4.125%
HK$55,482
baseline
▲ 0.50% · 4.625%
HK$58,407
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,964/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,779
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,795/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,166
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,860
−HK$1,719/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,242
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,303
−HK$2,093/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,680
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,694
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,670
−HK$2,005/mo
Today · 4.125%
HK$77,675
baseline
▲ 0.50% · 4.625%
HK$81,770
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,350/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,169
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,818
−HK$2,692/mo
Today · 4.125%
HK$90,510
baseline
▲ 0.50% · 4.625%
HK$96,017
+HK$5,507/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,020/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,749
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,291
−HK$2,577/mo
Today · 4.125%
HK$99,868
baseline
▲ 0.50% · 4.625%
HK$105,133
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,736/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,030 · Scale 2, in force from 26 Feb 2026)