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$47,469
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,945
−HK$1,500/mo
Today · 4.125%
HK$50,445
baseline
▲ 0.50% · 4.625%
HK$53,515
+HK$3,070/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$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,808
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,225
−HK$1,436/mo
Today · 4.125%
HK$55,661
baseline
▲ 0.50% · 4.625%
HK$58,595
+HK$2,934/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$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,734
−HK$1,800/mo
Today · 4.125%
HK$60,534
baseline
▲ 0.50% · 4.625%
HK$64,218
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,068/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,370
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,070
−HK$1,724/mo
Today · 4.125%
HK$66,794
baseline
▲ 0.50% · 4.625%
HK$70,315
+HK$3,521/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,588/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,456
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,523
−HK$2,100/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,921
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,932
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,011/mo
Today · 4.125%
HK$77,926
baseline
▲ 0.50% · 4.625%
HK$82,034
+HK$4,108/mo
Deposit HK$6.25M · loan HK$14.57M · min. income ≈ HK$155,852/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,444
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,101
−HK$2,701/mo
Today · 4.125%
HK$90,802
baseline
▲ 0.50% · 4.625%
HK$96,327
+HK$5,525/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,604/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,055
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,604
−HK$2,587/mo
Today · 4.125%
HK$100,191
baseline
▲ 0.50% · 4.625%
HK$105,472
+HK$5,281/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,382/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,725 · Scale 2, in force from 26 Feb 2026)