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$47,353
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,496/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,679
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,433/mo
Today · 4.125%
HK$55,525
baseline
▲ 0.50% · 4.625%
HK$58,452
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,050/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,823
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,591
−HK$1,795/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$64,061
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,911
−HK$1,720/mo
Today · 4.125%
HK$66,631
baseline
▲ 0.50% · 4.625%
HK$70,143
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,262/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,294
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,356
−HK$2,095/mo
Today · 4.125%
HK$70,451
baseline
▲ 0.50% · 4.625%
HK$74,738
+HK$4,287/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,902/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,751
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,729
−HK$2,007/mo
Today · 4.125%
HK$77,736
baseline
▲ 0.50% · 4.625%
HK$81,833
+HK$4,097/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,472/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,235
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,886
−HK$2,694/mo
Today · 4.125%
HK$90,580
baseline
▲ 0.50% · 4.625%
HK$96,091
+HK$5,511/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,160/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,823
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,366
−HK$2,580/mo
Today · 4.125%
HK$99,946
baseline
▲ 0.50% · 4.625%
HK$105,214
+HK$5,268/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,892/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,637 · Scale 2, in force from 26 Feb 2026)