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$47,234
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,493/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,547
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,957
−HK$1,429/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,681
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,791/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,900
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,057
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,748
−HK$1,716/mo
Today · 4.125%
HK$66,464
baseline
▲ 0.50% · 4.625%
HK$69,967
+HK$3,503/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,928/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,128
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,185
−HK$2,089/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$74,550
+HK$4,276/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,566
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,539
−HK$2,002/mo
Today · 4.125%
HK$77,541
baseline
▲ 0.50% · 4.625%
HK$81,628
+HK$4,087/mo
Deposit HK$6.21M · loan HK$14.50M · min. income ≈ HK$155,082/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,021
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,666
−HK$2,687/mo
Today · 4.125%
HK$90,353
baseline
▲ 0.50% · 4.625%
HK$95,851
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$180,706/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,585
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,122
−HK$2,573/mo
Today · 4.125%
HK$99,695
baseline
▲ 0.50% · 4.625%
HK$104,950
+HK$5,255/mo
Deposit HK$2.07M · loan HK$18.64M · min. income ≈ HK$199,390/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,434 · Scale 2, in force from 26 Feb 2026)