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$47,248
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,718
−HK$1,493/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,563
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,430/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,323
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,698
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,462
−HK$1,791/mo
Today · 4.125%
HK$60,253
baseline
▲ 0.50% · 4.625%
HK$63,920
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,506/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,076
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,768
−HK$1,716/mo
Today · 4.125%
HK$66,484
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,968/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,148
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,205
−HK$2,091/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,573
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,562
−HK$2,002/mo
Today · 4.125%
HK$77,564
baseline
▲ 0.50% · 4.625%
HK$81,653
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,128/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,047
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,692
−HK$2,688/mo
Today · 4.125%
HK$90,380
baseline
▲ 0.50% · 4.625%
HK$95,880
+HK$5,500/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,760/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,614
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,151
−HK$2,575/mo
Today · 4.125%
HK$99,726
baseline
▲ 0.50% · 4.625%
HK$104,982
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,452/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,062 · Scale 2, in force from 26 Feb 2026)