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$47,369
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,843
−HK$1,497/mo
Today · 4.125%
HK$50,340
baseline
▲ 0.50% · 4.625%
HK$53,403
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,680/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,698
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,111
−HK$1,434/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,473
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,843
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,796/mo
Today · 4.125%
HK$60,408
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,816/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,238
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,720/mo
Today · 4.125%
HK$66,654
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,308/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,317
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$2,096/mo
Today · 4.125%
HK$70,476
baseline
▲ 0.50% · 4.625%
HK$74,764
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,952/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,777
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,756
−HK$2,007/mo
Today · 4.125%
HK$77,763
baseline
▲ 0.50% · 4.625%
HK$81,862
+HK$4,099/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,526/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,265
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,917
−HK$2,695/mo
Today · 4.125%
HK$90,612
baseline
▲ 0.50% · 4.625%
HK$96,125
+HK$5,513/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,224/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,857
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,401
−HK$2,580/mo
Today · 4.125%
HK$99,981
baseline
▲ 0.50% · 4.625%
HK$105,252
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,962/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,376 · Scale 2, in force from 26 Feb 2026)