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$47,331
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,804
−HK$1,495/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$53,360
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,656
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,068
−HK$1,432/mo
Today · 4.125%
HK$55,500
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,000/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,798
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,564
−HK$1,795/mo
Today · 4.125%
HK$60,359
baseline
▲ 0.50% · 4.625%
HK$64,032
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,718/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,187
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,881
−HK$1,720/mo
Today · 4.125%
HK$66,601
baseline
▲ 0.50% · 4.625%
HK$70,111
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,202/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,264
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,325
−HK$2,094/mo
Today · 4.125%
HK$70,419
baseline
▲ 0.50% · 4.625%
HK$74,704
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,838/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,718
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,695
−HK$2,006/mo
Today · 4.125%
HK$77,701
baseline
▲ 0.50% · 4.625%
HK$81,796
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,402/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,196
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,846
−HK$2,693/mo
Today · 4.125%
HK$90,539
baseline
▲ 0.50% · 4.625%
HK$96,048
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,078/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,780
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,322
−HK$2,579/mo
Today · 4.125%
HK$99,901
baseline
▲ 0.50% · 4.625%
HK$105,167
+HK$5,266/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,802/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,702 · Scale 2, in force from 26 Feb 2026)