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$47,299
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,771
−HK$1,494/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$53,324
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,620
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,031
−HK$1,432/mo
Today · 4.125%
HK$55,463
baseline
▲ 0.50% · 4.625%
HK$58,386
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,926/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,759
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,525
−HK$1,793/mo
Today · 4.125%
HK$60,318
baseline
▲ 0.50% · 4.625%
HK$63,989
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,636/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,144
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,837
−HK$1,718/mo
Today · 4.125%
HK$66,555
baseline
▲ 0.50% · 4.625%
HK$70,064
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,110/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$2,092/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$4,282/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,644
−HK$2,004/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,139
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,787
−HK$2,691/mo
Today · 4.125%
HK$90,478
baseline
▲ 0.50% · 4.625%
HK$95,983
+HK$5,505/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,956/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,716
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,256
−HK$2,577/mo
Today · 4.125%
HK$99,833
baseline
▲ 0.50% · 4.625%
HK$105,095
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,666/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,295 · Scale 2, in force from 26 Feb 2026)