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$47,455
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,931
−HK$1,500/mo
Today · 4.125%
HK$50,431
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,862/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,209
−HK$1,437/mo
Today · 4.125%
HK$55,646
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,292/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,946
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,717
−HK$1,800/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,051
−HK$1,724/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,437
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,504
−HK$2,099/mo
Today · 4.125%
HK$70,603
baseline
▲ 0.50% · 4.625%
HK$74,899
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,206/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,911
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,893
−HK$2,011/mo
Today · 4.125%
HK$77,904
baseline
▲ 0.50% · 4.625%
HK$82,010
+HK$4,106/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,808/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,419
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,076
−HK$2,700/mo
Today · 4.125%
HK$90,776
baseline
▲ 0.50% · 4.625%
HK$96,299
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,552/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,028
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,577
−HK$2,585/mo
Today · 4.125%
HK$100,162
baseline
▲ 0.50% · 4.625%
HK$105,442
+HK$5,280/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,324/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,131 · Scale 2, in force from 26 Feb 2026)