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$47,286
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,494/mo
Today · 4.125%
HK$50,251
baseline
▲ 0.50% · 4.625%
HK$53,309
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,502/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,605
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,431/mo
Today · 4.125%
HK$55,447
baseline
▲ 0.50% · 4.625%
HK$58,370
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,894/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,743
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,508
−HK$1,793/mo
Today · 4.125%
HK$60,301
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,670/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,602/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,126
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,819
−HK$1,718/mo
Today · 4.125%
HK$66,537
baseline
▲ 0.50% · 4.625%
HK$70,044
+HK$3,507/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,074/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,200
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,260
−HK$2,092/mo
Today · 4.125%
HK$70,352
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,704/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,647
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,622
−HK$2,004/mo
Today · 4.125%
HK$77,626
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,092/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,252/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,115
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,762
−HK$2,690/mo
Today · 4.125%
HK$90,452
baseline
▲ 0.50% · 4.625%
HK$95,956
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,904/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,689
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,229
−HK$2,576/mo
Today · 4.125%
HK$99,805
baseline
▲ 0.50% · 4.625%
HK$105,066
+HK$5,261/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,610/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,713 · Scale 2, in force from 26 Feb 2026)