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$47,400
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,498/mo
Today · 4.125%
HK$50,372
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,744/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,732
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,146
−HK$1,435/mo
Today · 4.125%
HK$55,581
baseline
▲ 0.50% · 4.625%
HK$58,511
+HK$2,930/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,162/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,798/mo
Today · 4.125%
HK$60,447
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,678/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,894/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,976
−HK$1,721/mo
Today · 4.125%
HK$66,697
baseline
▲ 0.50% · 4.625%
HK$70,213
+HK$3,516/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,394/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,360
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,424
−HK$2,097/mo
Today · 4.125%
HK$70,521
baseline
▲ 0.50% · 4.625%
HK$74,812
+HK$4,291/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,042/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,825
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,805
−HK$2,008/mo
Today · 4.125%
HK$77,813
baseline
▲ 0.50% · 4.625%
HK$81,915
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,626/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,320
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,974
−HK$2,696/mo
Today · 4.125%
HK$90,670
baseline
▲ 0.50% · 4.625%
HK$96,187
+HK$5,517/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,340/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,918
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,463
−HK$2,583/mo
Today · 4.125%
HK$100,046
baseline
▲ 0.50% · 4.625%
HK$105,319
+HK$5,273/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,092/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,716 · Scale 2, in force from 26 Feb 2026)