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$47,263
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,494/mo
Today · 4.125%
HK$50,227
baseline
▲ 0.50% · 4.625%
HK$53,283
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,454/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,990
−HK$1,431/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,716
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,480
−HK$1,792/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,940
+HK$3,668/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,096
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,788
−HK$1,717/mo
Today · 4.125%
HK$66,505
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,010/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,168
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$2,091/mo
Today · 4.125%
HK$70,318
baseline
▲ 0.50% · 4.625%
HK$74,596
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,636/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,612
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,586
−HK$2,003/mo
Today · 4.125%
HK$77,589
baseline
▲ 0.50% · 4.625%
HK$81,679
+HK$4,090/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,178/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,074
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,720
−HK$2,689/mo
Today · 4.125%
HK$90,409
baseline
▲ 0.50% · 4.625%
HK$95,910
+HK$5,501/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,818/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,644
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,182
−HK$2,575/mo
Today · 4.125%
HK$99,757
baseline
▲ 0.50% · 4.625%
HK$105,015
+HK$5,258/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,514/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,713 · Scale 2, in force from 26 Feb 2026)