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$47,339
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,812
−HK$1,496/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$53,369
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,077
−HK$1,433/mo
Today · 4.125%
HK$55,510
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,020/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,807
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,574
−HK$1,795/mo
Today · 4.125%
HK$60,369
baseline
▲ 0.50% · 4.625%
HK$64,043
+HK$3,674/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,738/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,197
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,892
−HK$1,719/mo
Today · 4.125%
HK$66,611
baseline
▲ 0.50% · 4.625%
HK$70,123
+HK$3,512/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,222/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,275
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$2,095/mo
Today · 4.125%
HK$70,431
baseline
▲ 0.50% · 4.625%
HK$74,716
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,862/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,730
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,006/mo
Today · 4.125%
HK$77,713
baseline
▲ 0.50% · 4.625%
HK$81,810
+HK$4,097/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,426/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,210
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,861
−HK$2,693/mo
Today · 4.125%
HK$90,554
baseline
▲ 0.50% · 4.625%
HK$96,064
+HK$5,510/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,108/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,796
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,338
−HK$2,579/mo
Today · 4.125%
HK$99,917
baseline
▲ 0.50% · 4.625%
HK$105,184
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,834/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,044 · Scale 2, in force from 26 Feb 2026)