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$47,533
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,502/mo
Today · 4.125%
HK$50,514
baseline
▲ 0.50% · 4.625%
HK$53,587
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,028/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,880
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,298
−HK$1,439/mo
Today · 4.125%
HK$55,737
baseline
▲ 0.50% · 4.625%
HK$58,675
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,474/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,040
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,814
−HK$1,803/mo
Today · 4.125%
HK$60,617
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,688/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,234/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,456
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,158
−HK$1,726/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,410
+HK$3,526/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,546
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,616
−HK$2,103/mo
Today · 4.125%
HK$70,719
baseline
▲ 0.50% · 4.625%
HK$75,022
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,438/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,032
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,018
−HK$2,014/mo
Today · 4.125%
HK$78,032
baseline
▲ 0.50% · 4.625%
HK$82,145
+HK$4,113/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,064/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,221
−HK$2,704/mo
Today · 4.125%
HK$90,925
baseline
▲ 0.50% · 4.625%
HK$96,457
+HK$5,532/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,850/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,184
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,737
−HK$2,590/mo
Today · 4.125%
HK$100,327
baseline
▲ 0.50% · 4.625%
HK$105,615
+HK$5,288/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,654/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,548 · Scale 2, in force from 26 Feb 2026)