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$47,535
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,503/mo
Today · 4.125%
HK$50,516
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,032/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,882
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,439/mo
Today · 4.125%
HK$55,739
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,478/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,042
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,816
−HK$1,803/mo
Today · 4.125%
HK$60,619
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,688/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,238/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,458
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,160
−HK$1,727/mo
Today · 4.125%
HK$66,887
baseline
▲ 0.50% · 4.625%
HK$70,412
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,774/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$2,103/mo
Today · 4.125%
HK$70,722
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,444/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,020
−HK$2,015/mo
Today · 4.125%
HK$78,035
baseline
▲ 0.50% · 4.625%
HK$82,148
+HK$4,113/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,070/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,563
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,224
−HK$2,704/mo
Today · 4.125%
HK$90,928
baseline
▲ 0.50% · 4.625%
HK$96,461
+HK$5,533/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,856/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,187
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,740
−HK$2,590/mo
Today · 4.125%
HK$100,330
baseline
▲ 0.50% · 4.625%
HK$105,619
+HK$5,289/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,660/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,622 · Scale 2, in force from 26 Feb 2026)