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$47,261
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,493/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$53,281
+HK$3,057/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,431/mo
Today · 4.125%
HK$55,418
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,836/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,713
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,477
−HK$1,792/mo
Today · 4.125%
HK$60,269
baseline
▲ 0.50% · 4.625%
HK$63,937
+HK$3,668/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,538/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,093
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,785
−HK$1,716/mo
Today · 4.125%
HK$66,501
baseline
▲ 0.50% · 4.625%
HK$70,007
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,002/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,165
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$2,091/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$4,279/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,582
−HK$2,003/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$81,674
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,069
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,716
−HK$2,688/mo
Today · 4.125%
HK$90,404
baseline
▲ 0.50% · 4.625%
HK$95,905
+HK$5,501/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,808/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,639
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,177
−HK$2,575/mo
Today · 4.125%
HK$99,752
baseline
▲ 0.50% · 4.625%
HK$105,010
+HK$5,258/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,504/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,610 · Scale 2, in force from 26 Feb 2026)