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$47,529
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,008
−HK$1,502/mo
Today · 4.125%
HK$50,510
baseline
▲ 0.50% · 4.625%
HK$53,583
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,020/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,876
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,294
−HK$1,438/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$58,670
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,809
−HK$1,803/mo
Today · 4.125%
HK$60,612
baseline
▲ 0.50% · 4.625%
HK$64,300
+HK$3,688/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,224/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,451
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,153
−HK$1,726/mo
Today · 4.125%
HK$66,879
baseline
▲ 0.50% · 4.625%
HK$70,404
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,758/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,541
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,611
−HK$2,103/mo
Today · 4.125%
HK$70,714
baseline
▲ 0.50% · 4.625%
HK$75,016
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,428/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,026
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,011
−HK$2,014/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,138
+HK$4,113/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,553
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,214
−HK$2,703/mo
Today · 4.125%
HK$90,917
baseline
▲ 0.50% · 4.625%
HK$96,450
+HK$5,533/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,834/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,176
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,729
−HK$2,589/mo
Today · 4.125%
HK$100,318
baseline
▲ 0.50% · 4.625%
HK$105,606
+HK$5,288/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,636/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,381 · Scale 2, in force from 26 Feb 2026)