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$47,531
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,010
−HK$1,502/mo
Today · 4.125%
HK$50,512
baseline
▲ 0.50% · 4.625%
HK$53,586
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,024/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,878
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,296
−HK$1,439/mo
Today · 4.125%
HK$55,735
baseline
▲ 0.50% · 4.625%
HK$58,673
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,470/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,812
−HK$1,802/mo
Today · 4.125%
HK$60,614
baseline
▲ 0.50% · 4.625%
HK$64,303
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,228/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,454
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,156
−HK$1,726/mo
Today · 4.125%
HK$66,882
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,764/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,544
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,614
−HK$2,103/mo
Today · 4.125%
HK$70,717
baseline
▲ 0.50% · 4.625%
HK$75,020
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,434/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,029
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,014/mo
Today · 4.125%
HK$78,029
baseline
▲ 0.50% · 4.625%
HK$82,142
+HK$4,113/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,058/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,556
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,218
−HK$2,704/mo
Today · 4.125%
HK$90,922
baseline
▲ 0.50% · 4.625%
HK$96,454
+HK$5,532/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,844/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,181
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,733
−HK$2,590/mo
Today · 4.125%
HK$100,323
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$5,288/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,646/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,474 · Scale 2, in force from 26 Feb 2026)