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$47,453
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,929
−HK$1,500/mo
Today · 4.125%
HK$50,429
baseline
▲ 0.50% · 4.625%
HK$53,497
+HK$3,068/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,858/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,791
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,207
−HK$1,436/mo
Today · 4.125%
HK$55,643
baseline
▲ 0.50% · 4.625%
HK$58,576
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,286/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,944
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,715
−HK$1,800/mo
Today · 4.125%
HK$60,515
baseline
▲ 0.50% · 4.625%
HK$64,197
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,030/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,349
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,048
−HK$1,724/mo
Today · 4.125%
HK$66,772
baseline
▲ 0.50% · 4.625%
HK$70,291
+HK$3,519/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,544/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,434
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,501
−HK$2,099/mo
Today · 4.125%
HK$70,600
baseline
▲ 0.50% · 4.625%
HK$74,896
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,200/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,907
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,890
−HK$2,010/mo
Today · 4.125%
HK$77,900
baseline
▲ 0.50% · 4.625%
HK$82,007
+HK$4,107/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,800/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,415
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,072
−HK$2,700/mo
Today · 4.125%
HK$90,772
baseline
▲ 0.50% · 4.625%
HK$96,295
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,544/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,024
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,572
−HK$2,586/mo
Today · 4.125%
HK$100,158
baseline
▲ 0.50% · 4.625%
HK$105,437
+HK$5,279/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,316/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,041 · Scale 2, in force from 26 Feb 2026)