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$47,542
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,502/mo
Today · 4.125%
HK$50,523
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,046/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,890
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,439/mo
Today · 4.125%
HK$55,747
baseline
▲ 0.50% · 4.625%
HK$58,686
+HK$2,939/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,494/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,050
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,825
−HK$1,803/mo
Today · 4.125%
HK$60,628
baseline
▲ 0.50% · 4.625%
HK$64,317
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,256/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,468
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,170
−HK$1,727/mo
Today · 4.125%
HK$66,897
baseline
▲ 0.50% · 4.625%
HK$70,423
+HK$3,526/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,794/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,559
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,629
−HK$2,104/mo
Today · 4.125%
HK$70,733
baseline
▲ 0.50% · 4.625%
HK$75,036
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,466/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,046
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,032
−HK$2,014/mo
Today · 4.125%
HK$78,046
baseline
▲ 0.50% · 4.625%
HK$82,160
+HK$4,114/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,092/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,576
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,237
−HK$2,705/mo
Today · 4.125%
HK$90,942
baseline
▲ 0.50% · 4.625%
HK$96,475
+HK$5,533/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,884/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,202
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,755
−HK$2,590/mo
Today · 4.125%
HK$100,345
baseline
▲ 0.50% · 4.625%
HK$105,635
+HK$5,290/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,690/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,940 · Scale 2, in force from 26 Feb 2026)