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$47,238
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,707
−HK$1,493/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,552
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,430/mo
Today · 4.125%
HK$55,391
baseline
▲ 0.50% · 4.625%
HK$58,310
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,782/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,685
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,449
−HK$1,791/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,905
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,062
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,716/mo
Today · 4.125%
HK$66,469
baseline
▲ 0.50% · 4.625%
HK$69,973
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,938/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,133
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,190
−HK$2,090/mo
Today · 4.125%
HK$70,280
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,560/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,572
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,002/mo
Today · 4.125%
HK$77,547
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,088/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,094/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,028
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,673
−HK$2,687/mo
Today · 4.125%
HK$90,360
baseline
▲ 0.50% · 4.625%
HK$95,858
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,720/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,593
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,130
−HK$2,573/mo
Today · 4.125%
HK$99,703
baseline
▲ 0.50% · 4.625%
HK$104,959
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,406/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,601 · Scale 2, in force from 26 Feb 2026)