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$47,358
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,497/mo
Today · 4.125%
HK$50,328
baseline
▲ 0.50% · 4.625%
HK$53,390
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,656/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,686
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,433/mo
Today · 4.125%
HK$55,532
baseline
▲ 0.50% · 4.625%
HK$58,459
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,064/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,830
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,598
−HK$1,796/mo
Today · 4.125%
HK$60,394
baseline
▲ 0.50% · 4.625%
HK$64,068
+HK$3,674/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,788/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,918
−HK$1,720/mo
Today · 4.125%
HK$66,638
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,276/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$2,095/mo
Today · 4.125%
HK$70,459
baseline
▲ 0.50% · 4.625%
HK$74,747
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,918/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,760
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,738
−HK$2,007/mo
Today · 4.125%
HK$77,745
baseline
▲ 0.50% · 4.625%
HK$81,843
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,490/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,245
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,897
−HK$2,694/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$96,103
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,834
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,377
−HK$2,581/mo
Today · 4.125%
HK$99,958
baseline
▲ 0.50% · 4.625%
HK$105,227
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,916/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,884 · Scale 2, in force from 26 Feb 2026)