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$47,322
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,496/mo
Today · 4.125%
HK$50,290
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,580/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,646
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,058
−HK$1,432/mo
Today · 4.125%
HK$55,490
baseline
▲ 0.50% · 4.625%
HK$58,415
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,980/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,787
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,553
−HK$1,795/mo
Today · 4.125%
HK$60,348
baseline
▲ 0.50% · 4.625%
HK$64,020
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,696/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,175
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,869
−HK$1,719/mo
Today · 4.125%
HK$66,588
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,176/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,251
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,312
−HK$2,094/mo
Today · 4.125%
HK$70,406
baseline
▲ 0.50% · 4.625%
HK$74,690
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,812/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,704
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,681
−HK$2,005/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$81,781
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,180
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,830
−HK$2,692/mo
Today · 4.125%
HK$90,522
baseline
▲ 0.50% · 4.625%
HK$96,030
+HK$5,508/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,044/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,762
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,304
−HK$2,578/mo
Today · 4.125%
HK$99,882
baseline
▲ 0.50% · 4.625%
HK$105,147
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,764/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,313 · Scale 2, in force from 26 Feb 2026)