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$47,357
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,830
−HK$1,497/mo
Today · 4.125%
HK$50,327
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,654/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,684
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,097
−HK$1,434/mo
Today · 4.125%
HK$55,531
baseline
▲ 0.50% · 4.625%
HK$58,458
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,062/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,828
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,796/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,917
−HK$1,720/mo
Today · 4.125%
HK$66,637
baseline
▲ 0.50% · 4.625%
HK$70,149
+HK$3,512/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,274/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,300
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,362
−HK$2,095/mo
Today · 4.125%
HK$70,457
baseline
▲ 0.50% · 4.625%
HK$74,745
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,914/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,758
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,736
−HK$2,007/mo
Today · 4.125%
HK$77,743
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,486/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,243
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,894
−HK$2,694/mo
Today · 4.125%
HK$90,588
baseline
▲ 0.50% · 4.625%
HK$96,100
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,176/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,832
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,375
−HK$2,580/mo
Today · 4.125%
HK$99,955
baseline
▲ 0.50% · 4.625%
HK$105,224
+HK$5,269/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,910/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,827 · Scale 2, in force from 26 Feb 2026)