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$47,268
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,739
−HK$1,493/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$53,289
+HK$3,057/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,586
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,996
−HK$1,431/mo
Today · 4.125%
HK$55,427
baseline
▲ 0.50% · 4.625%
HK$58,348
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,854/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,722
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,486
−HK$1,793/mo
Today · 4.125%
HK$60,279
baseline
▲ 0.50% · 4.625%
HK$63,947
+HK$3,668/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,558/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,103
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,795
−HK$1,717/mo
Today · 4.125%
HK$66,512
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,024/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,176
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,234
−HK$2,091/mo
Today · 4.125%
HK$70,325
baseline
▲ 0.50% · 4.625%
HK$74,605
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,650/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,620
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,594
−HK$2,003/mo
Today · 4.125%
HK$77,597
baseline
▲ 0.50% · 4.625%
HK$81,687
+HK$4,090/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,194/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,083
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,730
−HK$2,688/mo
Today · 4.125%
HK$90,418
baseline
▲ 0.50% · 4.625%
HK$95,920
+HK$5,502/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,836/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,654
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,193
−HK$2,575/mo
Today · 4.125%
HK$99,768
baseline
▲ 0.50% · 4.625%
HK$105,027
+HK$5,259/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,536/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,939 · Scale 2, in force from 26 Feb 2026)