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$47,245
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,493/mo
Today · 4.125%
HK$50,208
baseline
▲ 0.50% · 4.625%
HK$53,263
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,416/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,560
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,431/mo
Today · 4.125%
HK$55,400
baseline
▲ 0.50% · 4.625%
HK$58,320
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,800/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,694
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,792/mo
Today · 4.125%
HK$60,250
baseline
▲ 0.50% · 4.625%
HK$63,916
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,500/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,072
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,763
−HK$1,716/mo
Today · 4.125%
HK$66,479
baseline
▲ 0.50% · 4.625%
HK$69,984
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,958/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,143
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,201
−HK$2,090/mo
Today · 4.125%
HK$70,291
baseline
▲ 0.50% · 4.625%
HK$74,568
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,582/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,584
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,557
−HK$2,002/mo
Today · 4.125%
HK$77,559
baseline
▲ 0.50% · 4.625%
HK$81,648
+HK$4,089/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,118/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,041
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,687
−HK$2,687/mo
Today · 4.125%
HK$90,374
baseline
▲ 0.50% · 4.625%
HK$95,873
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,748/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,608
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,145
−HK$2,574/mo
Today · 4.125%
HK$99,719
baseline
▲ 0.50% · 4.625%
HK$104,975
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,438/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,928 · Scale 2, in force from 26 Feb 2026)