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$47,385
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,859
−HK$1,498/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,421
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,716
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,434/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,493
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,797/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,259
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,956
−HK$1,721/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,191
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,354/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,340
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,403
−HK$2,097/mo
Today · 4.125%
HK$70,500
baseline
▲ 0.50% · 4.625%
HK$74,790
+HK$4,290/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$141,000/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,802
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,782
−HK$2,008/mo
Today · 4.125%
HK$77,790
baseline
▲ 0.50% · 4.625%
HK$81,890
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$155,580/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,696/mo
Today · 4.125%
HK$90,643
baseline
▲ 0.50% · 4.625%
HK$96,158
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,286/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,889
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,582/mo
Today · 4.125%
HK$100,015
baseline
▲ 0.50% · 4.625%
HK$105,287
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,030/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,078 · Scale 2, in force from 26 Feb 2026)