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$47,282
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,494/mo
Today · 4.125%
HK$50,247
baseline
▲ 0.50% · 4.625%
HK$53,304
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,494/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,601
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,011
−HK$1,432/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$2,922/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,738
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,793/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,965
+HK$3,669/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,121
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,814
−HK$1,717/mo
Today · 4.125%
HK$66,531
baseline
▲ 0.50% · 4.625%
HK$70,038
+HK$3,507/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,062/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,195
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,254
−HK$2,092/mo
Today · 4.125%
HK$70,346
baseline
▲ 0.50% · 4.625%
HK$74,626
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,692/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,641
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,616
−HK$2,004/mo
Today · 4.125%
HK$77,620
baseline
▲ 0.50% · 4.625%
HK$81,711
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,240/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,108
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,755
−HK$2,690/mo
Today · 4.125%
HK$90,445
baseline
▲ 0.50% · 4.625%
HK$95,948
+HK$5,503/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,890/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,681
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,221
−HK$2,576/mo
Today · 4.125%
HK$99,797
baseline
▲ 0.50% · 4.625%
HK$105,057
+HK$5,260/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,594/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,538 · Scale 2, in force from 26 Feb 2026)