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$47,308
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,495/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$53,334
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,041
−HK$1,432/mo
Today · 4.125%
HK$55,473
baseline
▲ 0.50% · 4.625%
HK$58,397
+HK$2,924/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,946/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,770
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,536
−HK$1,794/mo
Today · 4.125%
HK$60,330
baseline
▲ 0.50% · 4.625%
HK$64,001
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,660/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,156
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,850
−HK$1,718/mo
Today · 4.125%
HK$66,568
baseline
▲ 0.50% · 4.625%
HK$70,077
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,136/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,231
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,292
−HK$2,093/mo
Today · 4.125%
HK$70,385
baseline
▲ 0.50% · 4.625%
HK$74,667
+HK$4,282/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,770/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,682
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,658
−HK$2,005/mo
Today · 4.125%
HK$77,663
baseline
▲ 0.50% · 4.625%
HK$81,756
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,326/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,155
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,803
−HK$2,692/mo
Today · 4.125%
HK$90,495
baseline
▲ 0.50% · 4.625%
HK$96,001
+HK$5,506/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,990/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,734
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,274
−HK$2,578/mo
Today · 4.125%
HK$99,852
baseline
▲ 0.50% · 4.625%
HK$105,115
+HK$5,263/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,704/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,687 · Scale 2, in force from 26 Feb 2026)