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$47,274
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,744
−HK$1,494/mo
Today · 4.125%
HK$50,238
baseline
▲ 0.50% · 4.625%
HK$53,295
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,476/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,591
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,002
−HK$1,431/mo
Today · 4.125%
HK$55,433
baseline
▲ 0.50% · 4.625%
HK$58,355
+HK$2,922/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,866/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,728
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,793/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,668/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,110
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,802
−HK$1,717/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,026
+HK$3,507/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,183
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,242
−HK$2,091/mo
Today · 4.125%
HK$70,333
baseline
▲ 0.50% · 4.625%
HK$74,613
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,666/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,628
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,603
−HK$2,003/mo
Today · 4.125%
HK$77,606
baseline
▲ 0.50% · 4.625%
HK$81,697
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,212/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,093
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,739
−HK$2,690/mo
Today · 4.125%
HK$90,429
baseline
▲ 0.50% · 4.625%
HK$95,931
+HK$5,502/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,858/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,665
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,203
−HK$2,576/mo
Today · 4.125%
HK$99,779
baseline
▲ 0.50% · 4.625%
HK$105,039
+HK$5,260/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,558/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,172 · Scale 2, in force from 26 Feb 2026)