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$47,456
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,499/mo
Today · 4.125%
HK$50,431
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,862/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,794
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,436/mo
Today · 4.125%
HK$55,646
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,292/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,947
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,718
−HK$1,800/mo
Today · 4.125%
HK$60,518
baseline
▲ 0.50% · 4.625%
HK$64,200
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,036/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,052
−HK$1,723/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,504
−HK$2,100/mo
Today · 4.125%
HK$70,604
baseline
▲ 0.50% · 4.625%
HK$74,900
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,208/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,911
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,894
−HK$2,011/mo
Today · 4.125%
HK$77,905
baseline
▲ 0.50% · 4.625%
HK$82,011
+HK$4,106/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,810/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,420
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,077
−HK$2,700/mo
Today · 4.125%
HK$90,777
baseline
▲ 0.50% · 4.625%
HK$96,300
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,554/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,029
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,577
−HK$2,586/mo
Today · 4.125%
HK$100,163
baseline
▲ 0.50% · 4.625%
HK$105,443
+HK$5,280/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,326/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,149 · Scale 2, in force from 26 Feb 2026)