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$47,225
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,492/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$53,240
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,430/mo
Today · 4.125%
HK$55,376
baseline
▲ 0.50% · 4.625%
HK$58,295
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,752/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,670
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,791/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,715/mo
Today · 4.125%
HK$66,451
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,902/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,115
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$2,090/mo
Today · 4.125%
HK$70,261
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,522/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,552
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,001/mo
Today · 4.125%
HK$77,526
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,052/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,005
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,649
−HK$2,686/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,832
+HK$5,497/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,567
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,103
−HK$2,573/mo
Today · 4.125%
HK$99,676
baseline
▲ 0.50% · 4.625%
HK$104,930
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,352/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,036 · Scale 2, in force from 26 Feb 2026)