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$47,469
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,946
−HK$1,500/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,516
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,809
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,226
−HK$1,436/mo
Today · 4.125%
HK$55,662
baseline
▲ 0.50% · 4.625%
HK$58,596
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,324/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,963
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,735
−HK$1,800/mo
Today · 4.125%
HK$60,535
baseline
▲ 0.50% · 4.625%
HK$64,219
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,070/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,371
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,071
−HK$1,724/mo
Today · 4.125%
HK$66,795
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$3,521/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,590/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,457
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,524
−HK$2,101/mo
Today · 4.125%
HK$70,625
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$4,297/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$141,250/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,933
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,916
−HK$2,011/mo
Today · 4.125%
HK$77,927
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,108/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$155,854/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,445
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,103
−HK$2,700/mo
Today · 4.125%
HK$90,803
baseline
▲ 0.50% · 4.625%
HK$96,328
+HK$5,525/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,606/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,057
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,606
−HK$2,586/mo
Today · 4.125%
HK$100,192
baseline
▲ 0.50% · 4.625%
HK$105,474
+HK$5,282/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,384/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,761 · Scale 2, in force from 26 Feb 2026)