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$47,315
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,787
−HK$1,495/mo
Today · 4.125%
HK$50,282
baseline
▲ 0.50% · 4.625%
HK$53,342
+HK$3,060/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,564/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,049
−HK$1,432/mo
Today · 4.125%
HK$55,481
baseline
▲ 0.50% · 4.625%
HK$58,406
+HK$2,925/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,962/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,778
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,544
−HK$1,795/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$64,010
+HK$3,671/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,165
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,859
−HK$1,719/mo
Today · 4.125%
HK$66,578
baseline
▲ 0.50% · 4.625%
HK$70,087
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,156/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,241
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$2,093/mo
Today · 4.125%
HK$70,395
baseline
▲ 0.50% · 4.625%
HK$74,678
+HK$4,283/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,790/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,693
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,669
−HK$2,005/mo
Today · 4.125%
HK$77,674
baseline
▲ 0.50% · 4.625%
HK$81,768
+HK$4,094/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,348/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,167
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,816
−HK$2,692/mo
Today · 4.125%
HK$90,508
baseline
▲ 0.50% · 4.625%
HK$96,015
+HK$5,507/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$181,016/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,748
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,289
−HK$2,578/mo
Today · 4.125%
HK$99,867
baseline
▲ 0.50% · 4.625%
HK$105,131
+HK$5,264/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,734/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,991 · Scale 2, in force from 26 Feb 2026)