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$47,390
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,864
−HK$1,498/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,426
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,721
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,135
−HK$1,434/mo
Today · 4.125%
HK$55,569
baseline
▲ 0.50% · 4.625%
HK$58,498
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,138/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,868
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,637
−HK$1,797/mo
Today · 4.125%
HK$60,434
baseline
▲ 0.50% · 4.625%
HK$64,111
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,868/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,265
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,962
−HK$1,721/mo
Today · 4.125%
HK$66,683
baseline
▲ 0.50% · 4.625%
HK$70,198
+HK$3,515/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,366/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$2,096/mo
Today · 4.125%
HK$70,506
baseline
▲ 0.50% · 4.625%
HK$74,797
+HK$4,291/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$141,012/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,809
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,789
−HK$2,008/mo
Today · 4.125%
HK$77,797
baseline
▲ 0.50% · 4.625%
HK$81,898
+HK$4,101/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$155,594/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,302
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,696/mo
Today · 4.125%
HK$90,651
baseline
▲ 0.50% · 4.625%
HK$96,167
+HK$5,516/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,302/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,898
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,443
−HK$2,582/mo
Today · 4.125%
HK$100,025
baseline
▲ 0.50% · 4.625%
HK$105,297
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,050/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,275 · Scale 2, in force from 26 Feb 2026)