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$47,521
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,999
−HK$1,502/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,866
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,284
−HK$1,439/mo
Today · 4.125%
HK$55,723
baseline
▲ 0.50% · 4.625%
HK$58,660
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,446/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,025
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,802/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$64,288
+HK$3,687/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,726/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,392
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,529
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,599
−HK$2,102/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$75,003
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,998
−HK$2,014/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,124
+HK$4,112/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,537
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,198
−HK$2,703/mo
Today · 4.125%
HK$90,901
baseline
▲ 0.50% · 4.625%
HK$96,432
+HK$5,531/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,802/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,159
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,712
−HK$2,589/mo
Today · 4.125%
HK$100,301
baseline
▲ 0.50% · 4.625%
HK$105,588
+HK$5,287/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,602/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,011 · Scale 2, in force from 26 Feb 2026)