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$47,293
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,764
−HK$1,495/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,432/mo
Today · 4.125%
HK$55,456
baseline
▲ 0.50% · 4.625%
HK$58,379
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,912/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,517
−HK$1,794/mo
Today · 4.125%
HK$60,311
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,670/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$120,622/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,829
−HK$1,718/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,055
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.44M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,211
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,270
−HK$2,093/mo
Today · 4.125%
HK$70,363
baseline
▲ 0.50% · 4.625%
HK$74,644
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,726/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,659
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,634
−HK$2,004/mo
Today · 4.125%
HK$77,638
baseline
▲ 0.50% · 4.625%
HK$81,731
+HK$4,093/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,276/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,128
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,776
−HK$2,690/mo
Today · 4.125%
HK$90,466
baseline
▲ 0.50% · 4.625%
HK$95,971
+HK$5,505/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,932/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,704
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,244
−HK$2,577/mo
Today · 4.125%
HK$99,821
baseline
▲ 0.50% · 4.625%
HK$105,082
+HK$5,261/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,642/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,037 · Scale 2, in force from 26 Feb 2026)