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$47,237
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,493/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,429/mo
Today · 4.125%
HK$55,389
baseline
▲ 0.50% · 4.625%
HK$58,309
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,778/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,684
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,791/mo
Today · 4.125%
HK$60,238
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,476/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,060
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,716/mo
Today · 4.125%
HK$66,467
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,934/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,131
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,188
−HK$2,090/mo
Today · 4.125%
HK$70,278
baseline
▲ 0.50% · 4.625%
HK$74,554
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,556/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,570
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,543
−HK$2,002/mo
Today · 4.125%
HK$77,545
baseline
▲ 0.50% · 4.625%
HK$81,632
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,090/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,670
−HK$2,688/mo
Today · 4.125%
HK$90,358
baseline
▲ 0.50% · 4.625%
HK$95,856
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,716/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,590
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,127
−HK$2,574/mo
Today · 4.125%
HK$99,701
baseline
▲ 0.50% · 4.625%
HK$104,956
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,402/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,544 · Scale 2, in force from 26 Feb 2026)