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$47,298
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,769
−HK$1,495/mo
Today · 4.125%
HK$50,264
baseline
▲ 0.50% · 4.625%
HK$53,323
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,528/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,619
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,030
−HK$1,432/mo
Today · 4.125%
HK$55,462
baseline
▲ 0.50% · 4.625%
HK$58,385
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,924/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,758
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,523
−HK$1,794/mo
Today · 4.125%
HK$60,317
baseline
▲ 0.50% · 4.625%
HK$63,987
+HK$3,670/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,634/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,143
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,836
−HK$1,718/mo
Today · 4.125%
HK$66,554
baseline
▲ 0.50% · 4.625%
HK$70,062
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,108/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,218
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,277
−HK$2,093/mo
Today · 4.125%
HK$70,370
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$4,282/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,740/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,666
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,642
−HK$2,004/mo
Today · 4.125%
HK$77,646
baseline
▲ 0.50% · 4.625%
HK$81,739
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,292/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,785
−HK$2,691/mo
Today · 4.125%
HK$90,476
baseline
▲ 0.50% · 4.625%
HK$95,981
+HK$5,505/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,952/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,714
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,577/mo
Today · 4.125%
HK$99,831
baseline
▲ 0.50% · 4.625%
HK$105,093
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,662/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,251 · Scale 2, in force from 26 Feb 2026)