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$47,249
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,718
−HK$1,494/mo
Today · 4.125%
HK$50,212
baseline
▲ 0.50% · 4.625%
HK$53,267
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,424/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,564
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,430/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$2,921/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,698
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,462
−HK$1,792/mo
Today · 4.125%
HK$60,254
baseline
▲ 0.50% · 4.625%
HK$63,920
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,508/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,076
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,768
−HK$1,716/mo
Today · 4.125%
HK$66,484
baseline
▲ 0.50% · 4.625%
HK$69,989
+HK$3,505/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,968/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,148
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$2,090/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,574
+HK$4,278/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,589
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,563
−HK$2,002/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$81,653
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,048
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,693
−HK$2,688/mo
Today · 4.125%
HK$90,381
baseline
▲ 0.50% · 4.625%
HK$95,880
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,762/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,615
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,152
−HK$2,574/mo
Today · 4.125%
HK$99,726
baseline
▲ 0.50% · 4.625%
HK$104,983
+HK$5,257/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,452/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$822,076 · Scale 2, in force from 26 Feb 2026)