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$47,314
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,785
−HK$1,496/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$53,340
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,432/mo
Today · 4.125%
HK$55,480
baseline
▲ 0.50% · 4.625%
HK$58,404
+HK$2,924/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,960/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,776
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,542
−HK$1,795/mo
Today · 4.125%
HK$60,337
baseline
▲ 0.50% · 4.625%
HK$64,008
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,674/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,163
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,857
−HK$1,719/mo
Today · 4.125%
HK$66,576
baseline
▲ 0.50% · 4.625%
HK$70,085
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,152/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,239
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,299
−HK$2,094/mo
Today · 4.125%
HK$70,393
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$4,283/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,786/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,690
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,667
−HK$2,004/mo
Today · 4.125%
HK$77,671
baseline
▲ 0.50% · 4.625%
HK$81,766
+HK$4,095/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,342/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,164
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,814
−HK$2,691/mo
Today · 4.125%
HK$90,505
baseline
▲ 0.50% · 4.625%
HK$96,012
+HK$5,507/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$181,010/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,745
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,286
−HK$2,577/mo
Today · 4.125%
HK$99,863
baseline
▲ 0.50% · 4.625%
HK$105,127
+HK$5,264/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,726/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,924 · Scale 2, in force from 26 Feb 2026)