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$47,237
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,493/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,430/mo
Today · 4.125%
HK$55,390
baseline
▲ 0.50% · 4.625%
HK$58,309
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,780/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,684
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,792/mo
Today · 4.125%
HK$60,239
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,478/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,061
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,752
−HK$1,716/mo
Today · 4.125%
HK$66,468
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$3,503/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,936/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,189
−HK$2,090/mo
Today · 4.125%
HK$70,279
baseline
▲ 0.50% · 4.625%
HK$74,555
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,558/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,571
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,544
−HK$2,001/mo
Today · 4.125%
HK$77,545
baseline
▲ 0.50% · 4.625%
HK$81,633
+HK$4,088/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,090/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,671
−HK$2,687/mo
Today · 4.125%
HK$90,358
baseline
▲ 0.50% · 4.625%
HK$95,856
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,716/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,591
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,128
−HK$2,573/mo
Today · 4.125%
HK$99,701
baseline
▲ 0.50% · 4.625%
HK$104,957
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,402/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,557 · Scale 2, in force from 26 Feb 2026)