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$47,227
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,492/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$53,242
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,539
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,948
−HK$1,430/mo
Today · 4.125%
HK$55,378
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,756/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,672
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,435
−HK$1,791/mo
Today · 4.125%
HK$60,226
baseline
▲ 0.50% · 4.625%
HK$63,890
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,452/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,047
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,738
−HK$1,715/mo
Today · 4.125%
HK$66,453
baseline
▲ 0.50% · 4.625%
HK$69,956
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,906/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,117
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,174
−HK$2,089/mo
Today · 4.125%
HK$70,263
baseline
▲ 0.50% · 4.625%
HK$74,539
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,526/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,555
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,527
−HK$2,002/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$81,615
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,058/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,008
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,652
−HK$2,687/mo
Today · 4.125%
HK$90,339
baseline
▲ 0.50% · 4.625%
HK$95,835
+HK$5,496/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,678/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,570
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,107
−HK$2,573/mo
Today · 4.125%
HK$99,680
baseline
▲ 0.50% · 4.625%
HK$104,934
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,360/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,108 · Scale 2, in force from 26 Feb 2026)