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$47,294
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,495/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,614
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,025
−HK$1,432/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,753
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,794/mo
Today · 4.125%
HK$60,312
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,669/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$120,624/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,137
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,830
−HK$1,718/mo
Today · 4.125%
HK$66,548
baseline
▲ 0.50% · 4.625%
HK$70,056
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$133,096/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,212
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,271
−HK$2,093/mo
Today · 4.125%
HK$70,364
baseline
▲ 0.50% · 4.625%
HK$74,645
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,728/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,660
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,635
−HK$2,004/mo
Today · 4.125%
HK$77,639
baseline
▲ 0.50% · 4.625%
HK$81,732
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,278/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,129
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,777
−HK$2,691/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,972
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,705
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,245
−HK$2,577/mo
Today · 4.125%
HK$99,822
baseline
▲ 0.50% · 4.625%
HK$105,084
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,644/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,064 · Scale 2, in force from 26 Feb 2026)