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$47,322
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,495/mo
Today · 4.125%
HK$50,289
baseline
▲ 0.50% · 4.625%
HK$53,349
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,578/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,645
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,057
−HK$1,432/mo
Today · 4.125%
HK$55,489
baseline
▲ 0.50% · 4.625%
HK$58,414
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,978/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,786
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,552
−HK$1,795/mo
Today · 4.125%
HK$60,347
baseline
▲ 0.50% · 4.625%
HK$64,019
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,694/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,174
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,868
−HK$1,719/mo
Today · 4.125%
HK$66,587
baseline
▲ 0.50% · 4.625%
HK$70,097
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,174/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,250
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,311
−HK$2,094/mo
Today · 4.125%
HK$70,405
baseline
▲ 0.50% · 4.625%
HK$74,689
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,810/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,703
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,679
−HK$2,006/mo
Today · 4.125%
HK$77,685
baseline
▲ 0.50% · 4.625%
HK$81,780
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,370/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,179
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,828
−HK$2,692/mo
Today · 4.125%
HK$90,520
baseline
▲ 0.50% · 4.625%
HK$96,028
+HK$5,508/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,040/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,761
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,302
−HK$2,578/mo
Today · 4.125%
HK$99,880
baseline
▲ 0.50% · 4.625%
HK$105,145
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,760/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,277 · Scale 2, in force from 26 Feb 2026)