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$47,225
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,492/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$53,240
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,429/mo
Today · 4.125%
HK$55,375
baseline
▲ 0.50% · 4.625%
HK$58,294
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,750/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,670
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,791/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,665/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,044
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,715/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$2,089/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,552
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,001/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,004
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,648
−HK$2,687/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,831
+HK$5,496/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,566
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,103
−HK$2,573/mo
Today · 4.125%
HK$99,676
baseline
▲ 0.50% · 4.625%
HK$104,930
+HK$5,254/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,352/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,022 · Scale 2, in force from 26 Feb 2026)