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$47,538
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,502/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,886
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,439/mo
Today · 4.125%
HK$55,743
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,486/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,046
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,820
−HK$1,803/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,165
−HK$1,726/mo
Today · 4.125%
HK$66,891
baseline
▲ 0.50% · 4.625%
HK$70,417
+HK$3,526/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,782/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,553
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,623
−HK$2,104/mo
Today · 4.125%
HK$70,727
baseline
▲ 0.50% · 4.625%
HK$75,030
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,454/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,040
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,025
−HK$2,015/mo
Today · 4.125%
HK$78,040
baseline
▲ 0.50% · 4.625%
HK$82,154
+HK$4,114/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,080/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,568
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,230
−HK$2,704/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$96,467
+HK$5,533/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,194
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,747
−HK$2,590/mo
Today · 4.125%
HK$100,337
baseline
▲ 0.50% · 4.625%
HK$105,626
+HK$5,289/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,674/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,766 · Scale 2, in force from 26 Feb 2026)