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$47,376
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,497/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,705
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,434/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,481
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,620
−HK$1,796/mo
Today · 4.125%
HK$60,416
baseline
▲ 0.50% · 4.625%
HK$64,092
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,832/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,246
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,943
−HK$1,720/mo
Today · 4.125%
HK$66,663
baseline
▲ 0.50% · 4.625%
HK$70,177
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,326/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,326
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,389
−HK$2,097/mo
Today · 4.125%
HK$70,486
baseline
▲ 0.50% · 4.625%
HK$74,774
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,972/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,787
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,766
−HK$2,008/mo
Today · 4.125%
HK$77,774
baseline
▲ 0.50% · 4.625%
HK$81,873
+HK$4,099/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,548/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,277
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,929
−HK$2,695/mo
Today · 4.125%
HK$90,624
baseline
▲ 0.50% · 4.625%
HK$96,139
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,248/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,870
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,414
−HK$2,581/mo
Today · 4.125%
HK$99,995
baseline
▲ 0.50% · 4.625%
HK$105,266
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,990/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,660 · Scale 2, in force from 26 Feb 2026)