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$47,244
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,713
−HK$1,493/mo
Today · 4.125%
HK$50,206
baseline
▲ 0.50% · 4.625%
HK$53,261
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,412/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,558
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,968
−HK$1,430/mo
Today · 4.125%
HK$55,398
baseline
▲ 0.50% · 4.625%
HK$58,318
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,796/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,692
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,791/mo
Today · 4.125%
HK$60,247
baseline
▲ 0.50% · 4.625%
HK$63,913
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,494/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,070
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,761
−HK$1,716/mo
Today · 4.125%
HK$66,477
baseline
▲ 0.50% · 4.625%
HK$69,981
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,954/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,141
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$2,091/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$74,566
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,555
−HK$2,002/mo
Today · 4.125%
HK$77,557
baseline
▲ 0.50% · 4.625%
HK$81,645
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,114/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,038
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,684
−HK$2,687/mo
Today · 4.125%
HK$90,371
baseline
▲ 0.50% · 4.625%
HK$95,870
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,742/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,604
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,142
−HK$2,574/mo
Today · 4.125%
HK$99,716
baseline
▲ 0.50% · 4.625%
HK$104,972
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,432/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,854 · Scale 2, in force from 26 Feb 2026)