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$47,383
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,498/mo
Today · 4.125%
HK$50,355
baseline
▲ 0.50% · 4.625%
HK$53,419
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,710/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,127
−HK$1,434/mo
Today · 4.125%
HK$55,561
baseline
▲ 0.50% · 4.625%
HK$58,490
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,122/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,860
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,629
−HK$1,797/mo
Today · 4.125%
HK$60,426
baseline
▲ 0.50% · 4.625%
HK$64,102
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,852/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,256
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,953
−HK$1,721/mo
Today · 4.125%
HK$66,674
baseline
▲ 0.50% · 4.625%
HK$70,188
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,348/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,337
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$2,096/mo
Today · 4.125%
HK$70,496
baseline
▲ 0.50% · 4.625%
HK$74,786
+HK$4,290/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$140,992/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,799
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,778
−HK$2,008/mo
Today · 4.125%
HK$77,786
baseline
▲ 0.50% · 4.625%
HK$81,886
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$155,572/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,290
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,943
−HK$2,695/mo
Today · 4.125%
HK$90,638
baseline
▲ 0.50% · 4.625%
HK$96,153
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,276/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,884
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,429
−HK$2,581/mo
Today · 4.125%
HK$100,010
baseline
▲ 0.50% · 4.625%
HK$105,282
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,020/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,980 · Scale 2, in force from 26 Feb 2026)