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$47,226
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,695
−HK$1,492/mo
Today · 4.125%
HK$50,187
baseline
▲ 0.50% · 4.625%
HK$53,241
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,374/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,538
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,430/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$2,919/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,791/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,889
+HK$3,664/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,046
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,737
−HK$1,715/mo
Today · 4.125%
HK$66,452
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$3,503/mo
Deposit HK$8.28M · loan HK$12.43M · min. income ≈ HK$132,904/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,173
−HK$2,089/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$74,538
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,554
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,526
−HK$2,002/mo
Today · 4.125%
HK$77,528
baseline
▲ 0.50% · 4.625%
HK$81,614
+HK$4,086/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,056/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,007
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,651
−HK$2,686/mo
Today · 4.125%
HK$90,337
baseline
▲ 0.50% · 4.625%
HK$95,834
+HK$5,497/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,674/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,569
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,105
−HK$2,573/mo
Today · 4.125%
HK$99,678
baseline
▲ 0.50% · 4.625%
HK$104,933
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,356/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,081 · Scale 2, in force from 26 Feb 2026)