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$47,339
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,496/mo
Today · 4.125%
HK$50,307
baseline
▲ 0.50% · 4.625%
HK$53,368
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,614/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,076
−HK$1,433/mo
Today · 4.125%
HK$55,509
baseline
▲ 0.50% · 4.625%
HK$58,435
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,018/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,806
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,796/mo
Today · 4.125%
HK$60,369
baseline
▲ 0.50% · 4.625%
HK$64,042
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,738/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,197
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,891
−HK$1,720/mo
Today · 4.125%
HK$66,611
baseline
▲ 0.50% · 4.625%
HK$70,122
+HK$3,511/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,222/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,274
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$2,094/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,716
+HK$4,286/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,006/mo
Today · 4.125%
HK$77,713
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,426/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,210
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,860
−HK$2,693/mo
Today · 4.125%
HK$90,553
baseline
▲ 0.50% · 4.625%
HK$96,063
+HK$5,510/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,106/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,795
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,337
−HK$2,579/mo
Today · 4.125%
HK$99,916
baseline
▲ 0.50% · 4.625%
HK$105,183
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,832/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,023 · Scale 2, in force from 26 Feb 2026)