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$47,523
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,001
−HK$1,502/mo
Today · 4.125%
HK$50,503
baseline
▲ 0.50% · 4.625%
HK$53,576
+HK$3,073/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,006/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,869
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,286
−HK$1,439/mo
Today · 4.125%
HK$55,725
baseline
▲ 0.50% · 4.625%
HK$58,662
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,450/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,027
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,802/mo
Today · 4.125%
HK$60,603
baseline
▲ 0.50% · 4.625%
HK$64,291
+HK$3,688/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$121,206/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,442
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,144
−HK$1,726/mo
Today · 4.125%
HK$66,870
baseline
▲ 0.50% · 4.625%
HK$70,395
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.50M · min. income ≈ HK$133,740/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,601
−HK$2,103/mo
Today · 4.125%
HK$70,704
baseline
▲ 0.50% · 4.625%
HK$75,006
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,408/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,016
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,001
−HK$2,014/mo
Today · 4.125%
HK$78,015
baseline
▲ 0.50% · 4.625%
HK$82,127
+HK$4,112/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,030/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,541
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,202
−HK$2,703/mo
Today · 4.125%
HK$90,905
baseline
▲ 0.50% · 4.625%
HK$96,436
+HK$5,531/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,810/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,163
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,716
−HK$2,589/mo
Today · 4.125%
HK$100,305
baseline
▲ 0.50% · 4.625%
HK$105,592
+HK$5,287/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,610/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,097 · Scale 2, in force from 26 Feb 2026)