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$47,397
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,498/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,435
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,729
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,143
−HK$1,435/mo
Today · 4.125%
HK$55,578
baseline
▲ 0.50% · 4.625%
HK$58,508
+HK$2,930/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,156/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,798/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$64,121
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,275
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,722/mo
Today · 4.125%
HK$66,694
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$3,515/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,388/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,356
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,420
−HK$2,098/mo
Today · 4.125%
HK$70,518
baseline
▲ 0.50% · 4.625%
HK$74,808
+HK$4,290/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,036/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,821
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,801
−HK$2,008/mo
Today · 4.125%
HK$77,809
baseline
▲ 0.50% · 4.625%
HK$81,911
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,618/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,315
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,969
−HK$2,696/mo
Today · 4.125%
HK$90,665
baseline
▲ 0.50% · 4.625%
HK$96,182
+HK$5,517/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,330/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,912
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,458
−HK$2,582/mo
Today · 4.125%
HK$100,040
baseline
▲ 0.50% · 4.625%
HK$105,314
+HK$5,274/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,080/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,601 · Scale 2, in force from 26 Feb 2026)