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$47,373
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,847
−HK$1,497/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$53,407
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,702
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,434/mo
Today · 4.125%
HK$55,549
baseline
▲ 0.50% · 4.625%
HK$58,477
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,098/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,848
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,616
−HK$1,796/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$64,088
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,242
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,938
−HK$1,721/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,173
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,322
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,385
−HK$2,096/mo
Today · 4.125%
HK$70,481
baseline
▲ 0.50% · 4.625%
HK$74,770
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,962/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,783
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,762
−HK$2,007/mo
Today · 4.125%
HK$77,769
baseline
▲ 0.50% · 4.625%
HK$81,868
+HK$4,099/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,538/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,271
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,924
−HK$2,695/mo
Today · 4.125%
HK$90,619
baseline
▲ 0.50% · 4.625%
HK$96,133
+HK$5,514/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,238/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,863
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,408
−HK$2,581/mo
Today · 4.125%
HK$99,989
baseline
▲ 0.50% · 4.625%
HK$105,259
+HK$5,270/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,978/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,528 · Scale 2, in force from 26 Feb 2026)