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$47,210
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,492/mo
Today · 4.125%
HK$50,171
baseline
▲ 0.50% · 4.625%
HK$53,223
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,342/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,521
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,929
−HK$1,429/mo
Today · 4.125%
HK$55,358
baseline
▲ 0.50% · 4.625%
HK$58,276
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,716/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,652
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,414
−HK$1,791/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,025
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,715
−HK$1,715/mo
Today · 4.125%
HK$66,430
baseline
▲ 0.50% · 4.625%
HK$69,932
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,860/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$2,089/mo
Today · 4.125%
HK$70,239
baseline
▲ 0.50% · 4.625%
HK$74,513
+HK$4,274/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,478/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,529
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,501
−HK$2,001/mo
Today · 4.125%
HK$77,502
baseline
▲ 0.50% · 4.625%
HK$81,587
+HK$4,085/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$155,004/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,978
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,622
−HK$2,685/mo
Today · 4.125%
HK$90,307
baseline
▲ 0.50% · 4.625%
HK$95,802
+HK$5,495/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,614/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,537
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,073
−HK$2,572/mo
Today · 4.125%
HK$99,645
baseline
▲ 0.50% · 4.625%
HK$104,897
+HK$5,252/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,290/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,388 · Scale 2, in force from 26 Feb 2026)