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$47,454
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,930
−HK$1,500/mo
Today · 4.125%
HK$50,430
baseline
▲ 0.50% · 4.625%
HK$53,498
+HK$3,068/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,860/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,792
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,208
−HK$1,436/mo
Today · 4.125%
HK$55,644
baseline
▲ 0.50% · 4.625%
HK$58,578
+HK$2,934/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,288/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,945
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,716
−HK$1,800/mo
Today · 4.125%
HK$60,516
baseline
▲ 0.50% · 4.625%
HK$64,198
+HK$3,682/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$121,032/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,351
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,050
−HK$1,723/mo
Today · 4.125%
HK$66,773
baseline
▲ 0.50% · 4.625%
HK$70,293
+HK$3,520/mo
Deposit HK$8.32M · loan HK$12.49M · min. income ≈ HK$133,546/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,436
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,502
−HK$2,100/mo
Today · 4.125%
HK$70,602
baseline
▲ 0.50% · 4.625%
HK$74,898
+HK$4,296/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,204/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,909
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,891
−HK$2,011/mo
Today · 4.125%
HK$77,902
baseline
▲ 0.50% · 4.625%
HK$82,009
+HK$4,107/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,804/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,417
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,074
−HK$2,700/mo
Today · 4.125%
HK$90,774
baseline
▲ 0.50% · 4.625%
HK$96,297
+HK$5,523/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,548/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,026
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,575
−HK$2,585/mo
Today · 4.125%
HK$100,160
baseline
▲ 0.50% · 4.625%
HK$105,440
+HK$5,280/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,320/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,087 · Scale 2, in force from 26 Feb 2026)