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$47,216
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,685
−HK$1,492/mo
Today · 4.125%
HK$50,177
baseline
▲ 0.50% · 4.625%
HK$53,230
+HK$3,053/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,354/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,527
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,936
−HK$1,429/mo
Today · 4.125%
HK$55,365
baseline
▲ 0.50% · 4.625%
HK$58,284
+HK$2,919/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,730/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,659
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,422
−HK$1,790/mo
Today · 4.125%
HK$60,212
baseline
▲ 0.50% · 4.625%
HK$63,876
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,424/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,033
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,723
−HK$1,715/mo
Today · 4.125%
HK$66,438
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,876/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,103
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,159
−HK$2,089/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$74,522
+HK$4,274/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,538
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,511
−HK$2,001/mo
Today · 4.125%
HK$77,512
baseline
▲ 0.50% · 4.625%
HK$81,597
+HK$4,085/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$155,024/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,989
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,633
−HK$2,686/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,814
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,549
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,085
−HK$2,573/mo
Today · 4.125%
HK$99,658
baseline
▲ 0.50% · 4.625%
HK$104,911
+HK$5,253/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,316/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,650 · Scale 2, in force from 26 Feb 2026)