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$47,596
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,077
−HK$1,504/mo
Today · 4.125%
HK$50,581
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,162/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,950
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,370
−HK$1,441/mo
Today · 4.125%
HK$55,811
baseline
▲ 0.50% · 4.625%
HK$58,753
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,622/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,115
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,892
−HK$1,805/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,245
−HK$1,728/mo
Today · 4.125%
HK$66,973
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$3,531/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,946/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,635
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,707
−HK$2,106/mo
Today · 4.125%
HK$70,813
baseline
▲ 0.50% · 4.625%
HK$75,122
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,626/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,130
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,119
−HK$2,017/mo
Today · 4.125%
HK$78,136
baseline
▲ 0.50% · 4.625%
HK$82,254
+HK$4,118/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,272/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,673
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,338
−HK$2,708/mo
Today · 4.125%
HK$91,046
baseline
▲ 0.50% · 4.625%
HK$96,586
+HK$5,540/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,092/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,311
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,867
−HK$2,593/mo
Today · 4.125%
HK$100,460
baseline
▲ 0.50% · 4.625%
HK$105,755
+HK$5,295/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,920/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,320 · Scale 2, in force from 26 Feb 2026)