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$47,262
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,493/mo
Today · 4.125%
HK$50,226
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$3,056/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,452/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,431/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,715
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,479
−HK$1,793/mo
Today · 4.125%
HK$60,272
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,667/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,544/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,095
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,717/mo
Today · 4.125%
HK$66,504
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,008/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,167
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,226
−HK$2,091/mo
Today · 4.125%
HK$70,317
baseline
▲ 0.50% · 4.625%
HK$74,595
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,634/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,611
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,585
−HK$2,003/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,072
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,719
−HK$2,688/mo
Today · 4.125%
HK$90,407
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$5,501/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,814/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,642
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,181
−HK$2,574/mo
Today · 4.125%
HK$99,755
baseline
▲ 0.50% · 4.625%
HK$105,014
+HK$5,259/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,510/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$822,683 · Scale 2, in force from 26 Feb 2026)