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$47,468
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,944
−HK$1,501/mo
Today · 4.125%
HK$50,445
baseline
▲ 0.50% · 4.625%
HK$53,514
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,890/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,808
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,437/mo
Today · 4.125%
HK$55,661
baseline
▲ 0.50% · 4.625%
HK$58,594
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,322/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,961
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,733
−HK$1,800/mo
Today · 4.125%
HK$60,533
baseline
▲ 0.50% · 4.625%
HK$64,217
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,066/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,369
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,069
−HK$1,724/mo
Today · 4.125%
HK$66,793
baseline
▲ 0.50% · 4.625%
HK$70,313
+HK$3,520/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,586/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,100/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,920
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,931
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,012/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,107/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,442
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,100
−HK$2,700/mo
Today · 4.125%
HK$90,800
baseline
▲ 0.50% · 4.625%
HK$96,325
+HK$5,525/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,600/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,054
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,603
−HK$2,586/mo
Today · 4.125%
HK$100,189
baseline
▲ 0.50% · 4.625%
HK$105,470
+HK$5,281/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,378/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,690 · Scale 2, in force from 26 Feb 2026)