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$47,246
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,493/mo
Today · 4.125%
HK$50,209
baseline
▲ 0.50% · 4.625%
HK$53,264
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,418/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,561
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,971
−HK$1,430/mo
Today · 4.125%
HK$55,401
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,802/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,695
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,459
−HK$1,792/mo
Today · 4.125%
HK$60,251
baseline
▲ 0.50% · 4.625%
HK$63,917
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,502/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,073
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,765
−HK$1,716/mo
Today · 4.125%
HK$66,481
baseline
▲ 0.50% · 4.625%
HK$69,985
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,962/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,145
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$2,091/mo
Today · 4.125%
HK$70,293
baseline
▲ 0.50% · 4.625%
HK$74,570
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,586/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,585
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,559
−HK$2,002/mo
Today · 4.125%
HK$77,561
baseline
▲ 0.50% · 4.625%
HK$81,649
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,122/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,043
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,689
−HK$2,687/mo
Today · 4.125%
HK$90,376
baseline
▲ 0.50% · 4.625%
HK$95,875
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,752/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,610
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,147
−HK$2,574/mo
Today · 4.125%
HK$99,721
baseline
▲ 0.50% · 4.625%
HK$104,978
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,442/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,970 · Scale 2, in force from 26 Feb 2026)