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$47,303
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,495/mo
Today · 4.125%
HK$50,270
baseline
▲ 0.50% · 4.625%
HK$53,328
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,540/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,624
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,036
−HK$1,431/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$2,924/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,764
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,529
−HK$1,794/mo
Today · 4.125%
HK$60,323
baseline
▲ 0.50% · 4.625%
HK$63,994
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,646/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,149
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,843
−HK$1,718/mo
Today · 4.125%
HK$66,561
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,122/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,224
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,284
−HK$2,093/mo
Today · 4.125%
HK$70,377
baseline
▲ 0.50% · 4.625%
HK$74,660
+HK$4,283/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,754/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,674
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,650
−HK$2,004/mo
Today · 4.125%
HK$77,654
baseline
▲ 0.50% · 4.625%
HK$81,748
+HK$4,094/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,308/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,146
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,794
−HK$2,691/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,991
+HK$5,506/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,724
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,264
−HK$2,577/mo
Today · 4.125%
HK$99,841
baseline
▲ 0.50% · 4.625%
HK$105,104
+HK$5,263/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,682/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,468 · Scale 2, in force from 26 Feb 2026)