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$47,251
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,493/mo
Today · 4.125%
HK$50,214
baseline
▲ 0.50% · 4.625%
HK$53,270
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,428/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,566
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,976
−HK$1,430/mo
Today · 4.125%
HK$55,406
baseline
▲ 0.50% · 4.625%
HK$58,327
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,812/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,701
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,792/mo
Today · 4.125%
HK$60,257
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,514/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,080
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,716/mo
Today · 4.125%
HK$66,488
baseline
▲ 0.50% · 4.625%
HK$69,992
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,976/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,152
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,209
−HK$2,091/mo
Today · 4.125%
HK$70,300
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,600/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,593
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,567
−HK$2,002/mo
Today · 4.125%
HK$77,569
baseline
▲ 0.50% · 4.625%
HK$81,658
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,138/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,052
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,698
−HK$2,688/mo
Today · 4.125%
HK$90,386
baseline
▲ 0.50% · 4.625%
HK$95,885
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,772/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,620
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,157
−HK$2,575/mo
Today · 4.125%
HK$99,732
baseline
▲ 0.50% · 4.625%
HK$104,989
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,464/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,187 · Scale 2, in force from 26 Feb 2026)