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$47,336
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,496/mo
Today · 4.125%
HK$50,305
baseline
▲ 0.50% · 4.625%
HK$53,366
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,610/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,661
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,074
−HK$1,432/mo
Today · 4.125%
HK$55,506
baseline
▲ 0.50% · 4.625%
HK$58,432
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,012/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,804
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,571
−HK$1,795/mo
Today · 4.125%
HK$60,366
baseline
▲ 0.50% · 4.625%
HK$64,039
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,732/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,194
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,888
−HK$1,720/mo
Today · 4.125%
HK$66,608
baseline
▲ 0.50% · 4.625%
HK$70,119
+HK$3,511/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,216/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,271
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$2,095/mo
Today · 4.125%
HK$70,427
baseline
▲ 0.50% · 4.625%
HK$74,712
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,854/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,726
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,703
−HK$2,006/mo
Today · 4.125%
HK$77,709
baseline
▲ 0.50% · 4.625%
HK$81,805
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,418/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,856
−HK$2,693/mo
Today · 4.125%
HK$90,549
baseline
▲ 0.50% · 4.625%
HK$96,058
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,098/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,790
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,332
−HK$2,579/mo
Today · 4.125%
HK$99,911
baseline
▲ 0.50% · 4.625%
HK$105,178
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,822/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,924 · Scale 2, in force from 26 Feb 2026)