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$47,329
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,496/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,653
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,432/mo
Today · 4.125%
HK$55,497
baseline
▲ 0.50% · 4.625%
HK$58,423
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,994/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,795/mo
Today · 4.125%
HK$60,356
baseline
▲ 0.50% · 4.625%
HK$64,028
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,712/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,878
−HK$1,719/mo
Today · 4.125%
HK$66,597
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,194/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,260
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$2,094/mo
Today · 4.125%
HK$70,415
baseline
▲ 0.50% · 4.625%
HK$74,700
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,830/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,714
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,691
−HK$2,005/mo
Today · 4.125%
HK$77,696
baseline
▲ 0.50% · 4.625%
HK$81,792
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,392/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,192
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,841
−HK$2,693/mo
Today · 4.125%
HK$90,534
baseline
▲ 0.50% · 4.625%
HK$96,043
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,068/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,775
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,317
−HK$2,578/mo
Today · 4.125%
HK$99,895
baseline
▲ 0.50% · 4.625%
HK$105,161
+HK$5,266/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,790/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,585 · Scale 2, in force from 26 Feb 2026)