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$47,463
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,939
−HK$1,500/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,508
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,802
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,218
−HK$1,436/mo
Today · 4.125%
HK$55,654
baseline
▲ 0.50% · 4.625%
HK$58,588
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,308/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,955
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,727
−HK$1,800/mo
Today · 4.125%
HK$60,527
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,683/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,054/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,362
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,061
−HK$1,724/mo
Today · 4.125%
HK$66,785
baseline
▲ 0.50% · 4.625%
HK$70,306
+HK$3,521/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,570/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,448
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,514
−HK$2,100/mo
Today · 4.125%
HK$70,614
baseline
▲ 0.50% · 4.625%
HK$74,911
+HK$4,297/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,228/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,905
−HK$2,011/mo
Today · 4.125%
HK$77,916
baseline
▲ 0.50% · 4.625%
HK$82,023
+HK$4,107/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,832/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,433
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,090
−HK$2,700/mo
Today · 4.125%
HK$90,790
baseline
▲ 0.50% · 4.625%
HK$96,314
+HK$5,524/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,580/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,043
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,592
−HK$2,586/mo
Today · 4.125%
HK$100,178
baseline
▲ 0.50% · 4.625%
HK$105,458
+HK$5,280/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,356/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,457 · Scale 2, in force from 26 Feb 2026)