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$47,284
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,755
−HK$1,494/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,603
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,431/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$2,922/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,741
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,793/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,669/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,123
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,816
−HK$1,718/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,041
+HK$3,507/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,197
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,256
−HK$2,092/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,629
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,004/mo
Today · 4.125%
HK$77,623
baseline
▲ 0.50% · 4.625%
HK$81,714
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,246/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,111
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,758
−HK$2,690/mo
Today · 4.125%
HK$90,448
baseline
▲ 0.50% · 4.625%
HK$95,952
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,896/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,685
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,224
−HK$2,577/mo
Today · 4.125%
HK$99,801
baseline
▲ 0.50% · 4.625%
HK$105,061
+HK$5,260/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,602/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,618 · Scale 2, in force from 26 Feb 2026)