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$47,307
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,779
−HK$1,495/mo
Today · 4.125%
HK$50,274
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$3,059/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,548/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,629
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,040
−HK$1,432/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,396
+HK$2,924/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,794/mo
Today · 4.125%
HK$60,329
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,658/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,155
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,848
−HK$1,719/mo
Today · 4.125%
HK$66,567
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,134/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,230
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,290
−HK$2,093/mo
Today · 4.125%
HK$70,383
baseline
▲ 0.50% · 4.625%
HK$74,666
+HK$4,283/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,766/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,680
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,657
−HK$2,004/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$81,755
+HK$4,094/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,153
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,802
−HK$2,691/mo
Today · 4.125%
HK$90,493
baseline
▲ 0.50% · 4.625%
HK$95,999
+HK$5,506/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,986/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,732
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,273
−HK$2,577/mo
Today · 4.125%
HK$99,850
baseline
▲ 0.50% · 4.625%
HK$105,113
+HK$5,263/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,700/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,649 · Scale 2, in force from 26 Feb 2026)