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$47,248
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,493/mo
Today · 4.125%
HK$50,210
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,420/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,562
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,972
−HK$1,430/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,323
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,697
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,461
−HK$1,791/mo
Today · 4.125%
HK$60,252
baseline
▲ 0.50% · 4.625%
HK$63,919
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,504/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,075
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,767
−HK$1,716/mo
Today · 4.125%
HK$66,483
baseline
▲ 0.50% · 4.625%
HK$69,987
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,966/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,147
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,204
−HK$2,091/mo
Today · 4.125%
HK$70,295
baseline
▲ 0.50% · 4.625%
HK$74,572
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,590/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,587
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,561
−HK$2,002/mo
Today · 4.125%
HK$77,563
baseline
▲ 0.50% · 4.625%
HK$81,652
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,126/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,046
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,691
−HK$2,688/mo
Today · 4.125%
HK$90,379
baseline
▲ 0.50% · 4.625%
HK$95,878
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,758/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,612
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,150
−HK$2,574/mo
Today · 4.125%
HK$99,724
baseline
▲ 0.50% · 4.625%
HK$104,981
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,448/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,028 · Scale 2, in force from 26 Feb 2026)