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$47,340
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,812
−HK$1,496/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,665
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,078
−HK$1,432/mo
Today · 4.125%
HK$55,510
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,020/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,795/mo
Today · 4.125%
HK$60,370
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,674/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,740/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,198
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,893
−HK$1,720/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$3,511/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,337
−HK$2,095/mo
Today · 4.125%
HK$70,432
baseline
▲ 0.50% · 4.625%
HK$74,717
+HK$4,285/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,864/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,731
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,006/mo
Today · 4.125%
HK$77,715
baseline
▲ 0.50% · 4.625%
HK$81,811
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,430/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,212
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,862
−HK$2,693/mo
Today · 4.125%
HK$90,555
baseline
▲ 0.50% · 4.625%
HK$96,065
+HK$5,510/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$181,110/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,797
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,340
−HK$2,579/mo
Today · 4.125%
HK$99,919
baseline
▲ 0.50% · 4.625%
HK$105,186
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.68M · min. income ≈ HK$199,838/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,076 · Scale 2, in force from 26 Feb 2026)