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$47,369
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,842
−HK$1,497/mo
Today · 4.125%
HK$50,339
baseline
▲ 0.50% · 4.625%
HK$53,402
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,678/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,697
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,111
−HK$1,433/mo
Today · 4.125%
HK$55,544
baseline
▲ 0.50% · 4.625%
HK$58,472
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,088/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,843
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,611
−HK$1,796/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$64,083
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,237
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,933
−HK$1,720/mo
Today · 4.125%
HK$66,653
baseline
▲ 0.50% · 4.625%
HK$70,167
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,306/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,316
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,379
−HK$2,096/mo
Today · 4.125%
HK$70,475
baseline
▲ 0.50% · 4.625%
HK$74,763
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,950/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,776
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,755
−HK$2,007/mo
Today · 4.125%
HK$77,762
baseline
▲ 0.50% · 4.625%
HK$81,861
+HK$4,099/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,524/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,264
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,916
−HK$2,695/mo
Today · 4.125%
HK$90,611
baseline
▲ 0.50% · 4.625%
HK$96,124
+HK$5,513/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,222/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,855
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,399
−HK$2,581/mo
Today · 4.125%
HK$99,980
baseline
▲ 0.50% · 4.625%
HK$105,250
+HK$5,270/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,960/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,347 · Scale 2, in force from 26 Feb 2026)