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$47,283
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,494/mo
Today · 4.125%
HK$50,248
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,496/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,431/mo
Today · 4.125%
HK$55,444
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,888/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,740
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,505
−HK$1,793/mo
Today · 4.125%
HK$60,298
baseline
▲ 0.50% · 4.625%
HK$63,967
+HK$3,669/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,596/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,123
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,815
−HK$1,718/mo
Today · 4.125%
HK$66,533
baseline
▲ 0.50% · 4.625%
HK$70,040
+HK$3,507/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,066/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,197
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,256
−HK$2,092/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,628
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,618
−HK$2,004/mo
Today · 4.125%
HK$77,622
baseline
▲ 0.50% · 4.625%
HK$81,713
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,244/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,110
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,757
−HK$2,690/mo
Today · 4.125%
HK$90,447
baseline
▲ 0.50% · 4.625%
HK$95,950
+HK$5,503/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,894/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,684
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,223
−HK$2,576/mo
Today · 4.125%
HK$99,799
baseline
▲ 0.50% · 4.625%
HK$105,060
+HK$5,261/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,598/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,594 · Scale 2, in force from 26 Feb 2026)