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$47,241
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,710
−HK$1,493/mo
Today · 4.125%
HK$50,203
baseline
▲ 0.50% · 4.625%
HK$53,258
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,406/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,555
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,964
−HK$1,430/mo
Today · 4.125%
HK$55,394
baseline
▲ 0.50% · 4.625%
HK$58,314
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,788/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,689
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,452
−HK$1,792/mo
Today · 4.125%
HK$60,244
baseline
▲ 0.50% · 4.625%
HK$63,909
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,488/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,066
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,757
−HK$1,716/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$69,977
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,137
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,194
−HK$2,090/mo
Today · 4.125%
HK$70,284
baseline
▲ 0.50% · 4.625%
HK$74,561
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,568/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,577
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,550
−HK$2,002/mo
Today · 4.125%
HK$77,552
baseline
▲ 0.50% · 4.625%
HK$81,640
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,104/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,033
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,678
−HK$2,688/mo
Today · 4.125%
HK$90,366
baseline
▲ 0.50% · 4.625%
HK$95,864
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,732/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,599
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,136
−HK$2,574/mo
Today · 4.125%
HK$99,710
baseline
▲ 0.50% · 4.625%
HK$104,965
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,420/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,728 · Scale 2, in force from 26 Feb 2026)