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$47,378
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,497/mo
Today · 4.125%
HK$50,349
baseline
▲ 0.50% · 4.625%
HK$53,413
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,698/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,708
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,434/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,854
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,797/mo
Today · 4.125%
HK$60,419
baseline
▲ 0.50% · 4.625%
HK$64,095
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,838/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,249
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,721/mo
Today · 4.125%
HK$66,666
baseline
▲ 0.50% · 4.625%
HK$70,180
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,332/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,329
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,392
−HK$2,097/mo
Today · 4.125%
HK$70,489
baseline
▲ 0.50% · 4.625%
HK$74,778
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,978/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,791
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,770
−HK$2,007/mo
Today · 4.125%
HK$77,777
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,554/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,933
−HK$2,695/mo
Today · 4.125%
HK$90,628
baseline
▲ 0.50% · 4.625%
HK$96,143
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,256/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,874
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,418
−HK$2,581/mo
Today · 4.125%
HK$99,999
baseline
▲ 0.50% · 4.625%
HK$105,270
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,998/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,749 · Scale 2, in force from 26 Feb 2026)