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$47,229
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,699
−HK$1,492/mo
Today · 4.125%
HK$50,191
baseline
▲ 0.50% · 4.625%
HK$53,245
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,382/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,542
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,430/mo
Today · 4.125%
HK$55,381
baseline
▲ 0.50% · 4.625%
HK$58,300
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,762/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,675
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,438
−HK$1,791/mo
Today · 4.125%
HK$60,229
baseline
▲ 0.50% · 4.625%
HK$63,894
+HK$3,665/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,458/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,051
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,742
−HK$1,715/mo
Today · 4.125%
HK$66,457
baseline
▲ 0.50% · 4.625%
HK$69,960
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,914/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,121
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,178
−HK$2,090/mo
Today · 4.125%
HK$70,268
baseline
▲ 0.50% · 4.625%
HK$74,543
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,536/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,559
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,532
−HK$2,001/mo
Today · 4.125%
HK$77,533
baseline
▲ 0.50% · 4.625%
HK$81,620
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,066/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,013
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,687/mo
Today · 4.125%
HK$90,344
baseline
▲ 0.50% · 4.625%
HK$95,841
+HK$5,497/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,688/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,576
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,113
−HK$2,573/mo
Today · 4.125%
HK$99,686
baseline
▲ 0.50% · 4.625%
HK$104,940
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,372/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,236 · Scale 2, in force from 26 Feb 2026)