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$47,456
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,500/mo
Today · 4.125%
HK$50,432
baseline
▲ 0.50% · 4.625%
HK$53,501
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,864/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,794
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,437/mo
Today · 4.125%
HK$55,647
baseline
▲ 0.50% · 4.625%
HK$58,580
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,294/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,947
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,799/mo
Today · 4.125%
HK$60,518
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,683/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,036/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,052
−HK$1,724/mo
Today · 4.125%
HK$66,776
baseline
▲ 0.50% · 4.625%
HK$70,296
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,552/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,505
−HK$2,100/mo
Today · 4.125%
HK$70,605
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,210/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,912
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,894
−HK$2,011/mo
Today · 4.125%
HK$77,905
baseline
▲ 0.50% · 4.625%
HK$82,012
+HK$4,107/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,810/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,421
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,078
−HK$2,700/mo
Today · 4.125%
HK$90,778
baseline
▲ 0.50% · 4.625%
HK$96,301
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,556/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,030
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,579
−HK$2,585/mo
Today · 4.125%
HK$100,164
baseline
▲ 0.50% · 4.625%
HK$105,444
+HK$5,280/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,328/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,172 · Scale 2, in force from 26 Feb 2026)