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$47,540
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,019
−HK$1,502/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,595
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,888
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,439/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$58,684
+HK$2,939/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,048
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,803/mo
Today · 4.125%
HK$60,626
baseline
▲ 0.50% · 4.625%
HK$64,314
+HK$3,688/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,252/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,465
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,726/mo
Today · 4.125%
HK$66,894
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$3,526/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,788/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,556
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,626
−HK$2,104/mo
Today · 4.125%
HK$70,730
baseline
▲ 0.50% · 4.625%
HK$75,034
+HK$4,304/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,460/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,043
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,029
−HK$2,014/mo
Today · 4.125%
HK$78,043
baseline
▲ 0.50% · 4.625%
HK$82,157
+HK$4,114/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,086/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,572
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,234
−HK$2,704/mo
Today · 4.125%
HK$90,938
baseline
▲ 0.50% · 4.625%
HK$96,472
+HK$5,534/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,876/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,198
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,751
−HK$2,590/mo
Today · 4.125%
HK$100,341
baseline
▲ 0.50% · 4.625%
HK$105,631
+HK$5,290/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,682/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,857 · Scale 2, in force from 26 Feb 2026)