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$47,202
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,670
−HK$1,492/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$53,214
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,512
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,429/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,267
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,643
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,405
−HK$1,790/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,857
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,014
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,704
−HK$1,715/mo
Today · 4.125%
HK$66,419
baseline
▲ 0.50% · 4.625%
HK$69,920
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,838/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,083
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,139
−HK$2,088/mo
Today · 4.125%
HK$70,227
baseline
▲ 0.50% · 4.625%
HK$74,500
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,454/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,517
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,488
−HK$2,001/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$81,573
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,964
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,607
−HK$2,685/mo
Today · 4.125%
HK$90,292
baseline
▲ 0.50% · 4.625%
HK$95,786
+HK$5,494/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,584/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,522
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,057
−HK$2,571/mo
Today · 4.125%
HK$99,628
baseline
▲ 0.50% · 4.625%
HK$104,880
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,256/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,040 · Scale 2, in force from 26 Feb 2026)