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$47,304
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,776
−HK$1,495/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$53,329
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,625
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,432/mo
Today · 4.125%
HK$55,469
baseline
▲ 0.50% · 4.625%
HK$58,392
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,938/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,794/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,995
+HK$3,670/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,151
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,718/mo
Today · 4.125%
HK$66,562
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$3,509/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,124/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,226
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,286
−HK$2,093/mo
Today · 4.125%
HK$70,379
baseline
▲ 0.50% · 4.625%
HK$74,661
+HK$4,282/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,758/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,676
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,652
−HK$2,004/mo
Today · 4.125%
HK$77,656
baseline
▲ 0.50% · 4.625%
HK$81,749
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,312/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,148
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,691/mo
Today · 4.125%
HK$90,487
baseline
▲ 0.50% · 4.625%
HK$95,993
+HK$5,506/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,974/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,726
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,266
−HK$2,578/mo
Today · 4.125%
HK$99,844
baseline
▲ 0.50% · 4.625%
HK$105,106
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,688/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,512 · Scale 2, in force from 26 Feb 2026)