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$47,402
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,876
−HK$1,498/mo
Today · 4.125%
HK$50,374
baseline
▲ 0.50% · 4.625%
HK$53,439
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,748/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,734
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,148
−HK$1,435/mo
Today · 4.125%
HK$55,583
baseline
▲ 0.50% · 4.625%
HK$58,513
+HK$2,930/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,166/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,882
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,651
−HK$1,798/mo
Today · 4.125%
HK$60,449
baseline
▲ 0.50% · 4.625%
HK$64,127
+HK$3,678/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$120,898/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,281
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,978
−HK$1,721/mo
Today · 4.125%
HK$66,699
baseline
▲ 0.50% · 4.625%
HK$70,215
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$133,398/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,362
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,426
−HK$2,098/mo
Today · 4.125%
HK$70,524
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$4,291/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,048/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,827
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,807
−HK$2,009/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$81,918
+HK$4,102/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,323
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,977
−HK$2,696/mo
Today · 4.125%
HK$90,673
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,346/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,921
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,467
−HK$2,582/mo
Today · 4.125%
HK$100,049
baseline
▲ 0.50% · 4.625%
HK$105,323
+HK$5,274/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,098/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,783 · Scale 2, in force from 26 Feb 2026)