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$47,197
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,665
−HK$1,492/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$53,208
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,506
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,914
−HK$1,429/mo
Today · 4.125%
HK$55,343
baseline
▲ 0.50% · 4.625%
HK$58,260
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,686/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,636
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,398
−HK$1,790/mo
Today · 4.125%
HK$60,188
baseline
▲ 0.50% · 4.625%
HK$63,850
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,376/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,007
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,697
−HK$1,714/mo
Today · 4.125%
HK$66,411
baseline
▲ 0.50% · 4.625%
HK$69,912
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,822/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,076
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,131
−HK$2,088/mo
Today · 4.125%
HK$70,219
baseline
▲ 0.50% · 4.625%
HK$74,492
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,438/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,509
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,000/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$81,564
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,954
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,685/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,775
+HK$5,493/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,511
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,046
−HK$2,571/mo
Today · 4.125%
HK$99,617
baseline
▲ 0.50% · 4.625%
HK$104,868
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,234/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,808 · Scale 2, in force from 26 Feb 2026)