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$47,278
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,749
−HK$1,494/mo
Today · 4.125%
HK$50,243
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$3,057/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,486/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,596
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,431/mo
Today · 4.125%
HK$55,438
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$2,922/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,876/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,734
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,499
−HK$1,792/mo
Today · 4.125%
HK$60,291
baseline
▲ 0.50% · 4.625%
HK$63,960
+HK$3,669/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$120,582/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,116
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,809
−HK$1,717/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,032
+HK$3,506/mo
Deposit HK$8.29M · loan HK$12.44M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,189
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,248
−HK$2,092/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$4,280/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,635
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,610
−HK$2,003/mo
Today · 4.125%
HK$77,613
baseline
▲ 0.50% · 4.625%
HK$81,704
+HK$4,091/mo
Deposit HK$6.22M · loan HK$14.51M · min. income ≈ HK$155,226/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,101
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,748
−HK$2,689/mo
Today · 4.125%
HK$90,437
baseline
▲ 0.50% · 4.625%
HK$95,940
+HK$5,503/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$180,874/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,674
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,213
−HK$2,576/mo
Today · 4.125%
HK$99,789
baseline
▲ 0.50% · 4.625%
HK$105,049
+HK$5,260/mo
Deposit HK$2.07M · loan HK$18.66M · min. income ≈ HK$199,578/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$823,371 · Scale 2, in force from 26 Feb 2026)