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$47,381
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,855
−HK$1,497/mo
Today · 4.125%
HK$50,352
baseline
▲ 0.50% · 4.625%
HK$53,416
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,704/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,711
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,124
−HK$1,435/mo
Today · 4.125%
HK$55,559
baseline
▲ 0.50% · 4.625%
HK$58,487
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,118/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,857
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,626
−HK$1,796/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$64,099
+HK$3,677/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,253
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,949
−HK$1,721/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,184
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,333
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,397
−HK$2,096/mo
Today · 4.125%
HK$70,493
baseline
▲ 0.50% · 4.625%
HK$74,782
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$140,986/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,795
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,774
−HK$2,008/mo
Today · 4.125%
HK$77,782
baseline
▲ 0.50% · 4.625%
HK$81,882
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.55M · min. income ≈ HK$155,564/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,286
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,696/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$96,149
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,424
−HK$2,581/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$105,277
+HK$5,272/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,874 · Scale 2, in force from 26 Feb 2026)