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$47,321
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,793
−HK$1,495/mo
Today · 4.125%
HK$50,288
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,576/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,644
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,056
−HK$1,432/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,413
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,785
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,552
−HK$1,794/mo
Today · 4.125%
HK$60,346
baseline
▲ 0.50% · 4.625%
HK$64,018
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,692/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,173
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,719/mo
Today · 4.125%
HK$66,586
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,172/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,249
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$2,094/mo
Today · 4.125%
HK$70,404
baseline
▲ 0.50% · 4.625%
HK$74,688
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,808/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,702
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,678
−HK$2,006/mo
Today · 4.125%
HK$77,684
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,094/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,368/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,178
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,827
−HK$2,692/mo
Today · 4.125%
HK$90,519
baseline
▲ 0.50% · 4.625%
HK$96,027
+HK$5,508/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,038/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,759
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,301
−HK$2,578/mo
Today · 4.125%
HK$99,879
baseline
▲ 0.50% · 4.625%
HK$105,144
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,758/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,249 · Scale 2, in force from 26 Feb 2026)