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$47,319
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,791
−HK$1,496/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$3,059/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,642
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,054
−HK$1,432/mo
Today · 4.125%
HK$55,486
baseline
▲ 0.50% · 4.625%
HK$58,411
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,972/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,795/mo
Today · 4.125%
HK$60,344
baseline
▲ 0.50% · 4.625%
HK$64,016
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,688/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,171
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,719/mo
Today · 4.125%
HK$66,584
baseline
▲ 0.50% · 4.625%
HK$70,093
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,168/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,308
−HK$2,093/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,699
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,676
−HK$2,005/mo
Today · 4.125%
HK$77,681
baseline
▲ 0.50% · 4.625%
HK$81,775
+HK$4,094/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,362/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,175
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,824
−HK$2,692/mo
Today · 4.125%
HK$90,516
baseline
▲ 0.50% · 4.625%
HK$96,024
+HK$5,508/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,032/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,756
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,297
−HK$2,578/mo
Today · 4.125%
HK$99,875
baseline
▲ 0.50% · 4.625%
HK$105,140
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,750/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,172 · Scale 2, in force from 26 Feb 2026)