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$47,231
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,700
−HK$1,493/mo
Today · 4.125%
HK$50,193
baseline
▲ 0.50% · 4.625%
HK$53,247
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,386/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,544
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,954
−HK$1,429/mo
Today · 4.125%
HK$55,383
baseline
▲ 0.50% · 4.625%
HK$58,302
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,766/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,678
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,441
−HK$1,791/mo
Today · 4.125%
HK$60,232
baseline
▲ 0.50% · 4.625%
HK$63,897
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,464/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,053
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,744
−HK$1,716/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$69,963
+HK$3,503/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,124
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,181
−HK$2,089/mo
Today · 4.125%
HK$70,270
baseline
▲ 0.50% · 4.625%
HK$74,546
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,540/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,562
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,535
−HK$2,001/mo
Today · 4.125%
HK$77,536
baseline
▲ 0.50% · 4.625%
HK$81,623
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,072/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,661
−HK$2,687/mo
Today · 4.125%
HK$90,348
baseline
▲ 0.50% · 4.625%
HK$95,845
+HK$5,497/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,696/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,580
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,116
−HK$2,574/mo
Today · 4.125%
HK$99,690
baseline
▲ 0.50% · 4.625%
HK$104,944
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,380/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,316 · Scale 2, in force from 26 Feb 2026)