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$47,371
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,497/mo
Today · 4.125%
HK$50,342
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,684/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,433/mo
Today · 4.125%
HK$55,547
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,094/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,846
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,796/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$64,086
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,240
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,936
−HK$1,721/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,171
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,320
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,383
−HK$2,096/mo
Today · 4.125%
HK$70,479
baseline
▲ 0.50% · 4.625%
HK$74,767
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,958/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,780
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,759
−HK$2,007/mo
Today · 4.125%
HK$77,766
baseline
▲ 0.50% · 4.625%
HK$81,866
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,532/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,269
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,921
−HK$2,695/mo
Today · 4.125%
HK$90,616
baseline
▲ 0.50% · 4.625%
HK$96,129
+HK$5,513/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,232/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,860
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,404
−HK$2,581/mo
Today · 4.125%
HK$99,985
baseline
▲ 0.50% · 4.625%
HK$105,256
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,970/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,460 · Scale 2, in force from 26 Feb 2026)