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$47,208
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,677
−HK$1,492/mo
Today · 4.125%
HK$50,169
baseline
▲ 0.50% · 4.625%
HK$53,221
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,338/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,519
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,927
−HK$1,429/mo
Today · 4.125%
HK$55,356
baseline
▲ 0.50% · 4.625%
HK$58,274
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,712/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,650
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,790/mo
Today · 4.125%
HK$60,202
baseline
▲ 0.50% · 4.625%
HK$63,865
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,404/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,022
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,713
−HK$1,714/mo
Today · 4.125%
HK$66,427
baseline
▲ 0.50% · 4.625%
HK$69,929
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,854/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,092
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,147
−HK$2,089/mo
Today · 4.125%
HK$70,236
baseline
▲ 0.50% · 4.625%
HK$74,510
+HK$4,274/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,472/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,526
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,498
−HK$2,001/mo
Today · 4.125%
HK$77,499
baseline
▲ 0.50% · 4.625%
HK$81,584
+HK$4,085/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,998/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,975
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,618
−HK$2,685/mo
Today · 4.125%
HK$90,303
baseline
▲ 0.50% · 4.625%
HK$95,798
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,606/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,534
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,069
−HK$2,572/mo
Today · 4.125%
HK$99,641
baseline
▲ 0.50% · 4.625%
HK$104,893
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,282/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,304 · Scale 2, in force from 26 Feb 2026)