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$47,526
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,004
−HK$1,502/mo
Today · 4.125%
HK$50,506
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,012/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,872
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,290
−HK$1,439/mo
Today · 4.125%
HK$55,729
baseline
▲ 0.50% · 4.625%
HK$58,666
+HK$2,937/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,458/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,805
−HK$1,803/mo
Today · 4.125%
HK$60,608
baseline
▲ 0.50% · 4.625%
HK$64,295
+HK$3,687/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,216/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,447
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,148
−HK$1,727/mo
Today · 4.125%
HK$66,875
baseline
▲ 0.50% · 4.625%
HK$70,400
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,750/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,536
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,606
−HK$2,103/mo
Today · 4.125%
HK$70,709
baseline
▲ 0.50% · 4.625%
HK$75,011
+HK$4,302/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,418/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,021
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,006
−HK$2,014/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,133
+HK$4,113/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,547
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,208
−HK$2,703/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$96,443
+HK$5,532/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,170
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,722
−HK$2,590/mo
Today · 4.125%
HK$100,312
baseline
▲ 0.50% · 4.625%
HK$105,599
+HK$5,287/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,624/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,242 · Scale 2, in force from 26 Feb 2026)