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$47,257
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,727
−HK$1,494/mo
Today · 4.125%
HK$50,221
baseline
▲ 0.50% · 4.625%
HK$53,277
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,442/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,573
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,983
−HK$1,431/mo
Today · 4.125%
HK$55,414
baseline
▲ 0.50% · 4.625%
HK$58,335
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,828/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,709
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,473
−HK$1,792/mo
Today · 4.125%
HK$60,265
baseline
▲ 0.50% · 4.625%
HK$63,932
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,530/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,088
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,780
−HK$1,717/mo
Today · 4.125%
HK$66,497
baseline
▲ 0.50% · 4.625%
HK$70,002
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,994/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,160
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$68,218
−HK$2,091/mo
Today · 4.125%
HK$70,309
baseline
▲ 0.50% · 4.625%
HK$74,587
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,618/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,603
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,577
−HK$2,002/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$81,669
+HK$4,090/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,063
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,709
−HK$2,689/mo
Today · 4.125%
HK$90,398
baseline
▲ 0.50% · 4.625%
HK$95,898
+HK$5,500/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,796/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,632
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,170
−HK$2,575/mo
Today · 4.125%
HK$99,745
baseline
▲ 0.50% · 4.625%
HK$105,003
+HK$5,258/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,490/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,462 · Scale 2, in force from 26 Feb 2026)