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$47,273
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,494/mo
Today · 4.125%
HK$50,237
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,474/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,590
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,001
−HK$1,431/mo
Today · 4.125%
HK$55,432
baseline
▲ 0.50% · 4.625%
HK$58,353
+HK$2,921/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,864/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,727
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,492
−HK$1,792/mo
Today · 4.125%
HK$60,284
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,669/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,568/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,108
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,801
−HK$1,717/mo
Today · 4.125%
HK$66,518
baseline
▲ 0.50% · 4.625%
HK$70,024
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,036/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,240
−HK$2,092/mo
Today · 4.125%
HK$70,332
baseline
▲ 0.50% · 4.625%
HK$74,611
+HK$4,279/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,664/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,626
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,601
−HK$2,003/mo
Today · 4.125%
HK$77,604
baseline
▲ 0.50% · 4.625%
HK$81,695
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,208/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,091
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,738
−HK$2,689/mo
Today · 4.125%
HK$90,427
baseline
▲ 0.50% · 4.625%
HK$95,929
+HK$5,502/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,854/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,663
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,201
−HK$2,576/mo
Today · 4.125%
HK$99,777
baseline
▲ 0.50% · 4.625%
HK$105,036
+HK$5,259/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,554/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,127 · Scale 2, in force from 26 Feb 2026)