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$47,377
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,497/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,412
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,434/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,483
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,853
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,621
−HK$1,797/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$64,094
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,248
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,720/mo
Today · 4.125%
HK$66,665
baseline
▲ 0.50% · 4.625%
HK$70,179
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,330/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,328
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,392
−HK$2,096/mo
Today · 4.125%
HK$70,488
baseline
▲ 0.50% · 4.625%
HK$74,777
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,976/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,790
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,769
−HK$2,007/mo
Today · 4.125%
HK$77,776
baseline
▲ 0.50% · 4.625%
HK$81,876
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,552/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,279
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,932
−HK$2,695/mo
Today · 4.125%
HK$90,627
baseline
▲ 0.50% · 4.625%
HK$96,142
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,254/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,872
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,417
−HK$2,581/mo
Today · 4.125%
HK$99,998
baseline
▲ 0.50% · 4.625%
HK$105,269
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,996/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,725 · Scale 2, in force from 26 Feb 2026)