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$47,353
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,497/mo
Today · 4.125%
HK$50,323
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,646/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,680
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,093
−HK$1,433/mo
Today · 4.125%
HK$55,526
baseline
▲ 0.50% · 4.625%
HK$58,453
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,052/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,824
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,796/mo
Today · 4.125%
HK$60,388
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,674/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,776/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,216
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,912
−HK$1,720/mo
Today · 4.125%
HK$66,632
baseline
▲ 0.50% · 4.625%
HK$70,144
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,264/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,295
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$2,095/mo
Today · 4.125%
HK$70,452
baseline
▲ 0.50% · 4.625%
HK$74,739
+HK$4,287/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,904/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,752
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,730
−HK$2,007/mo
Today · 4.125%
HK$77,737
baseline
▲ 0.50% · 4.625%
HK$81,835
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,474/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,236
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,888
−HK$2,693/mo
Today · 4.125%
HK$90,581
baseline
▲ 0.50% · 4.625%
HK$96,093
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,162/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,824
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,368
−HK$2,579/mo
Today · 4.125%
HK$99,947
baseline
▲ 0.50% · 4.625%
HK$105,216
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,894/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,672 · Scale 2, in force from 26 Feb 2026)