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$47,328
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,800
−HK$1,496/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$53,356
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,652
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,064
−HK$1,432/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,793
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,795/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,182
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,877
−HK$1,719/mo
Today · 4.125%
HK$66,596
baseline
▲ 0.50% · 4.625%
HK$70,106
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,192/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,259
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,320
−HK$2,094/mo
Today · 4.125%
HK$70,414
baseline
▲ 0.50% · 4.625%
HK$74,698
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,828/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,712
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,689
−HK$2,006/mo
Today · 4.125%
HK$77,695
baseline
▲ 0.50% · 4.625%
HK$81,790
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,390/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,190
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,692/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$96,041
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,315
−HK$2,578/mo
Today · 4.125%
HK$99,893
baseline
▲ 0.50% · 4.625%
HK$105,159
+HK$5,266/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,786/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,548 · Scale 2, in force from 26 Feb 2026)