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$47,289
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,494/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,609
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,432/mo
Today · 4.125%
HK$55,451
baseline
▲ 0.50% · 4.625%
HK$58,374
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,902/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,512
−HK$1,793/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,975
+HK$3,670/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,130
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,823
−HK$1,718/mo
Today · 4.125%
HK$66,541
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$3,507/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$133,082/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,205
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,264
−HK$2,092/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,637
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,652
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,627
−HK$2,004/mo
Today · 4.125%
HK$77,631
baseline
▲ 0.50% · 4.625%
HK$81,723
+HK$4,092/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,262/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,120
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,768
−HK$2,690/mo
Today · 4.125%
HK$90,458
baseline
▲ 0.50% · 4.625%
HK$95,962
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,916/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,695
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,235
−HK$2,576/mo
Today · 4.125%
HK$99,811
baseline
▲ 0.50% · 4.625%
HK$105,073
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,622/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,846 · Scale 2, in force from 26 Feb 2026)