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$47,379
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,853
−HK$1,497/mo
Today · 4.125%
HK$50,350
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,700/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,122
−HK$1,434/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,485
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,855
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,797/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,250
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,947
−HK$1,721/mo
Today · 4.125%
HK$66,668
baseline
▲ 0.50% · 4.625%
HK$70,182
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,336/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,331
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,394
−HK$2,096/mo
Today · 4.125%
HK$70,490
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,980/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,792
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,771
−HK$2,008/mo
Today · 4.125%
HK$77,779
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,558/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,282
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,935
−HK$2,695/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$96,145
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,876
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,420
−HK$2,581/mo
Today · 4.125%
HK$100,001
baseline
▲ 0.50% · 4.625%
HK$105,273
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,002/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,794 · Scale 2, in force from 26 Feb 2026)