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$47,252
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,722
−HK$1,494/mo
Today · 4.125%
HK$50,216
baseline
▲ 0.50% · 4.625%
HK$53,271
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,432/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,568
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,430/mo
Today · 4.125%
HK$55,408
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,816/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,703
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,467
−HK$1,792/mo
Today · 4.125%
HK$60,259
baseline
▲ 0.50% · 4.625%
HK$63,925
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,518/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,717/mo
Today · 4.125%
HK$66,490
baseline
▲ 0.50% · 4.625%
HK$69,994
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,980/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,153
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,211
−HK$2,091/mo
Today · 4.125%
HK$70,302
baseline
▲ 0.50% · 4.625%
HK$74,580
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,604/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,595
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,569
−HK$2,002/mo
Today · 4.125%
HK$77,571
baseline
▲ 0.50% · 4.625%
HK$81,660
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,142/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,054
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,700
−HK$2,688/mo
Today · 4.125%
HK$90,388
baseline
▲ 0.50% · 4.625%
HK$95,888
+HK$5,500/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,776/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,622
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,160
−HK$2,574/mo
Today · 4.125%
HK$99,734
baseline
▲ 0.50% · 4.625%
HK$104,991
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,468/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,243 · Scale 2, in force from 26 Feb 2026)