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$47,324
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,796
−HK$1,495/mo
Today · 4.125%
HK$50,291
baseline
▲ 0.50% · 4.625%
HK$53,351
+HK$3,060/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,582/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,647
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,059
−HK$1,433/mo
Today · 4.125%
HK$55,492
baseline
▲ 0.50% · 4.625%
HK$58,417
+HK$2,925/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$110,984/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,788
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,555
−HK$1,795/mo
Today · 4.125%
HK$60,350
baseline
▲ 0.50% · 4.625%
HK$64,022
+HK$3,672/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,700/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,177
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,871
−HK$1,719/mo
Today · 4.125%
HK$66,590
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$3,510/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,180/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,253
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,314
−HK$2,094/mo
Today · 4.125%
HK$70,408
baseline
▲ 0.50% · 4.625%
HK$74,692
+HK$4,284/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,816/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,706
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$75,683
−HK$2,005/mo
Today · 4.125%
HK$77,688
baseline
▲ 0.50% · 4.625%
HK$81,783
+HK$4,095/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,376/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,183
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,832
−HK$2,692/mo
Today · 4.125%
HK$90,524
baseline
▲ 0.50% · 4.625%
HK$96,033
+HK$5,509/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,048/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,765
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,306
−HK$2,579/mo
Today · 4.125%
HK$99,885
baseline
▲ 0.50% · 4.625%
HK$105,150
+HK$5,265/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,770/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$825,370 · Scale 2, in force from 26 Feb 2026)