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$47,365
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,497/mo
Today · 4.125%
HK$50,336
baseline
▲ 0.50% · 4.625%
HK$53,398
+HK$3,062/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,672/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,694
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,107
−HK$1,433/mo
Today · 4.125%
HK$55,540
baseline
▲ 0.50% · 4.625%
HK$58,468
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,080/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,838
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,797/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$64,078
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,232
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,720/mo
Today · 4.125%
HK$66,648
baseline
▲ 0.50% · 4.625%
HK$70,162
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,296/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,312
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$2,096/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,771
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,008/mo
Today · 4.125%
HK$77,757
baseline
▲ 0.50% · 4.625%
HK$81,855
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,514/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,258
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,910
−HK$2,694/mo
Today · 4.125%
HK$90,604
baseline
▲ 0.50% · 4.625%
HK$96,117
+HK$5,513/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,208/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,848
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,392
−HK$2,581/mo
Today · 4.125%
HK$99,973
baseline
▲ 0.50% · 4.625%
HK$105,242
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,946/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,196 · Scale 2, in force from 26 Feb 2026)