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$47,209
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,677
−HK$1,492/mo
Today · 4.125%
HK$50,169
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$3,053/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$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,519
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,928
−HK$1,429/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,275
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,790/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,713
−HK$1,715/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$69,930
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,856/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,092
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,148
−HK$2,089/mo
Today · 4.125%
HK$70,237
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$4,274/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,474/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,527
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,499
−HK$2,000/mo
Today · 4.125%
HK$77,499
baseline
▲ 0.50% · 4.625%
HK$81,585
+HK$4,086/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$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,976
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,619
−HK$2,685/mo
Today · 4.125%
HK$90,304
baseline
▲ 0.50% · 4.625%
HK$95,799
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,608/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,535
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,070
−HK$2,572/mo
Today · 4.125%
HK$99,642
baseline
▲ 0.50% · 4.625%
HK$104,894
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,284/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,327 · Scale 2, in force from 26 Feb 2026)