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$47,152
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,490/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$3,049/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,456
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,862
−HK$1,428/mo
Today · 4.125%
HK$55,290
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,580/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,582
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,342
−HK$1,788/mo
Today · 4.125%
HK$60,130
baseline
▲ 0.50% · 4.625%
HK$63,789
+HK$3,659/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,260/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,947
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,635
−HK$1,713/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$69,845
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,012
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,066
−HK$2,086/mo
Today · 4.125%
HK$70,152
baseline
▲ 0.50% · 4.625%
HK$74,420
+HK$4,268/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,304/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,438
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,407
−HK$1,999/mo
Today · 4.125%
HK$77,406
baseline
▲ 0.50% · 4.625%
HK$81,486
+HK$4,080/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,812/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,873
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,513
−HK$2,682/mo
Today · 4.125%
HK$90,195
baseline
▲ 0.50% · 4.625%
HK$95,683
+HK$5,488/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,390/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,420
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,952
−HK$2,569/mo
Today · 4.125%
HK$99,521
baseline
▲ 0.50% · 4.625%
HK$104,767
+HK$5,246/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,042/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,818 · Scale 2, in force from 26 Feb 2026)