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$47,255
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,725
−HK$1,493/mo
Today · 4.125%
HK$50,218
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,436/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,571
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,980
−HK$1,431/mo
Today · 4.125%
HK$55,411
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,822/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,706
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,792/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,929
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,085
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,776
−HK$1,717/mo
Today · 4.125%
HK$66,493
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,986/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,157
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$2,090/mo
Today · 4.125%
HK$70,305
baseline
▲ 0.50% · 4.625%
HK$74,583
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,610/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,599
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,573
−HK$2,002/mo
Today · 4.125%
HK$77,575
baseline
▲ 0.50% · 4.625%
HK$81,664
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,150/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,059
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,689/mo
Today · 4.125%
HK$90,393
baseline
▲ 0.50% · 4.625%
HK$95,893
+HK$5,500/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,786/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,627
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,165
−HK$2,574/mo
Today · 4.125%
HK$99,739
baseline
▲ 0.50% · 4.625%
HK$104,997
+HK$5,258/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,478/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,347 · Scale 2, in force from 26 Feb 2026)