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$47,363
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,836
−HK$1,497/mo
Today · 4.125%
HK$50,333
baseline
▲ 0.50% · 4.625%
HK$53,396
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,666/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,691
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,104
−HK$1,434/mo
Today · 4.125%
HK$55,538
baseline
▲ 0.50% · 4.625%
HK$58,465
+HK$2,927/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,076/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,836
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,796/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$64,075
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,229
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,720/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,158
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,308
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,371
−HK$2,095/mo
Today · 4.125%
HK$70,466
baseline
▲ 0.50% · 4.625%
HK$74,754
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,932/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,767
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,746
−HK$2,007/mo
Today · 4.125%
HK$77,753
baseline
▲ 0.50% · 4.625%
HK$81,851
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,506/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,254
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,905
−HK$2,695/mo
Today · 4.125%
HK$90,600
baseline
▲ 0.50% · 4.625%
HK$96,112
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,200/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,844
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,387
−HK$2,581/mo
Today · 4.125%
HK$99,968
baseline
▲ 0.50% · 4.625%
HK$105,237
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,936/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,095 · Scale 2, in force from 26 Feb 2026)