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$47,232
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,701
−HK$1,493/mo
Today · 4.125%
HK$50,194
baseline
▲ 0.50% · 4.625%
HK$53,248
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,388/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,545
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,954
−HK$1,430/mo
Today · 4.125%
HK$55,384
baseline
▲ 0.50% · 4.625%
HK$58,303
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,768/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,679
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,442
−HK$1,791/mo
Today · 4.125%
HK$60,233
baseline
▲ 0.50% · 4.625%
HK$63,898
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,466/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,054
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,745
−HK$1,716/mo
Today · 4.125%
HK$66,461
baseline
▲ 0.50% · 4.625%
HK$69,964
+HK$3,503/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,922/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,125
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,182
−HK$2,090/mo
Today · 4.125%
HK$70,272
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,544/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,002/mo
Today · 4.125%
HK$77,538
baseline
▲ 0.50% · 4.625%
HK$81,625
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,076/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,018
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,662
−HK$2,687/mo
Today · 4.125%
HK$90,349
baseline
▲ 0.50% · 4.625%
HK$95,847
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,698/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,581
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,118
−HK$2,573/mo
Today · 4.125%
HK$99,691
baseline
▲ 0.50% · 4.625%
HK$104,946
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,382/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,350 · Scale 2, in force from 26 Feb 2026)