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$47,310
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,782
−HK$1,495/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,632
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,044
−HK$1,432/mo
Today · 4.125%
HK$55,476
baseline
▲ 0.50% · 4.625%
HK$58,400
+HK$2,924/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,952/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,772
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,538
−HK$1,795/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,159
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,718/mo
Today · 4.125%
HK$66,571
baseline
▲ 0.50% · 4.625%
HK$70,080
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,142/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,234
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,295
−HK$2,093/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,671
+HK$4,283/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,685
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,005/mo
Today · 4.125%
HK$77,666
baseline
▲ 0.50% · 4.625%
HK$81,760
+HK$4,094/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,332/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,159
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,808
−HK$2,691/mo
Today · 4.125%
HK$90,499
baseline
▲ 0.50% · 4.625%
HK$96,005
+HK$5,506/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,998/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,738
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,279
−HK$2,578/mo
Today · 4.125%
HK$99,857
baseline
▲ 0.50% · 4.625%
HK$105,120
+HK$5,263/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,714/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,783 · Scale 2, in force from 26 Feb 2026)