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$47,361
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,835
−HK$1,496/mo
Today · 4.125%
HK$50,331
baseline
▲ 0.50% · 4.625%
HK$53,394
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,662/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,689
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,102
−HK$1,434/mo
Today · 4.125%
HK$55,536
baseline
▲ 0.50% · 4.625%
HK$58,463
+HK$2,927/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,072/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,834
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,602
−HK$1,796/mo
Today · 4.125%
HK$60,398
baseline
▲ 0.50% · 4.625%
HK$64,073
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,796/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,227
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,923
−HK$1,720/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,156
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,306
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,369
−HK$2,095/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,765
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,743
−HK$2,007/mo
Today · 4.125%
HK$77,750
baseline
▲ 0.50% · 4.625%
HK$81,848
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,500/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,251
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,902
−HK$2,695/mo
Today · 4.125%
HK$90,597
baseline
▲ 0.50% · 4.625%
HK$96,109
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,194/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,840
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,384
−HK$2,580/mo
Today · 4.125%
HK$99,964
baseline
▲ 0.50% · 4.625%
HK$105,234
+HK$5,270/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,928/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,024 · Scale 2, in force from 26 Feb 2026)