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$47,225
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,493/mo
Today · 4.125%
HK$50,187
baseline
▲ 0.50% · 4.625%
HK$53,241
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,374/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,538
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,429/mo
Today · 4.125%
HK$55,376
baseline
▲ 0.50% · 4.625%
HK$58,295
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,752/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,791/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,889
+HK$3,665/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,716/mo
Today · 4.125%
HK$66,452
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,904/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,172
−HK$2,090/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$74,537
+HK$4,275/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,553
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,526
−HK$2,001/mo
Today · 4.125%
HK$77,527
baseline
▲ 0.50% · 4.625%
HK$81,613
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,054/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,006
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,650
−HK$2,687/mo
Today · 4.125%
HK$90,337
baseline
▲ 0.50% · 4.625%
HK$95,833
+HK$5,496/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,674/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,568
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,104
−HK$2,573/mo
Today · 4.125%
HK$99,677
baseline
▲ 0.50% · 4.625%
HK$104,932
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,354/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,061 · Scale 2, in force from 26 Feb 2026)