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$47,335
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,808
−HK$1,496/mo
Today · 4.125%
HK$50,304
baseline
▲ 0.50% · 4.625%
HK$53,365
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,608/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,660
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,072
−HK$1,433/mo
Today · 4.125%
HK$55,505
baseline
▲ 0.50% · 4.625%
HK$58,431
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,010/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,802
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,569
−HK$1,795/mo
Today · 4.125%
HK$60,364
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,728/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,192
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,887
−HK$1,719/mo
Today · 4.125%
HK$66,606
baseline
▲ 0.50% · 4.625%
HK$70,117
+HK$3,511/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,212/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,269
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,331
−HK$2,094/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,710
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,724
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,701
−HK$2,006/mo
Today · 4.125%
HK$77,707
baseline
▲ 0.50% · 4.625%
HK$81,803
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,414/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,204
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,854
−HK$2,693/mo
Today · 4.125%
HK$90,547
baseline
▲ 0.50% · 4.625%
HK$96,056
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,094/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,788
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,330
−HK$2,579/mo
Today · 4.125%
HK$99,909
baseline
▲ 0.50% · 4.625%
HK$105,176
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,818/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,877 · Scale 2, in force from 26 Feb 2026)