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$47,262
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,494/mo
Today · 4.125%
HK$50,226
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,452/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,430/mo
Today · 4.125%
HK$55,419
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$2,922/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,838/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,715
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,479
−HK$1,792/mo
Today · 4.125%
HK$60,271
baseline
▲ 0.50% · 4.625%
HK$63,938
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,542/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,094
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,716/mo
Today · 4.125%
HK$66,503
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,006/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,167
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,225
−HK$2,091/mo
Today · 4.125%
HK$70,316
baseline
▲ 0.50% · 4.625%
HK$74,595
+HK$4,279/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,632/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,610
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,584
−HK$2,003/mo
Today · 4.125%
HK$77,587
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,090/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,174/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,072
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,718
−HK$2,689/mo
Today · 4.125%
HK$90,407
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$5,501/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,814/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,642
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,180
−HK$2,575/mo
Today · 4.125%
HK$99,755
baseline
▲ 0.50% · 4.625%
HK$105,013
+HK$5,258/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,510/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,668 · Scale 2, in force from 26 Feb 2026)