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$47,287
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,494/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$53,310
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,431/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,371
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,744
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,794/mo
Today · 4.125%
HK$60,303
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,669/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$120,606/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,127
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,820
−HK$1,718/mo
Today · 4.125%
HK$66,538
baseline
▲ 0.50% · 4.625%
HK$70,045
+HK$3,507/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$133,076/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,202
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$2,092/mo
Today · 4.125%
HK$70,353
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,706/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,649
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,004/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$81,720
+HK$4,092/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,116
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,764
−HK$2,690/mo
Today · 4.125%
HK$90,454
baseline
▲ 0.50% · 4.625%
HK$95,958
+HK$5,504/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,908/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,691
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,231
−HK$2,576/mo
Today · 4.125%
HK$99,807
baseline
▲ 0.50% · 4.625%
HK$105,068
+HK$5,261/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,614/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,753 · Scale 2, in force from 26 Feb 2026)