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$47,465
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,941
−HK$1,500/mo
Today · 4.125%
HK$50,441
baseline
▲ 0.50% · 4.625%
HK$53,510
+HK$3,069/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,882/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,804
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,220
−HK$1,437/mo
Today · 4.125%
HK$55,657
baseline
▲ 0.50% · 4.625%
HK$58,590
+HK$2,933/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,314/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,800/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$64,212
+HK$3,683/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,064
−HK$1,724/mo
Today · 4.125%
HK$66,788
baseline
▲ 0.50% · 4.625%
HK$70,308
+HK$3,520/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,576/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,450
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,517
−HK$2,100/mo
Today · 4.125%
HK$70,617
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$4,297/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$141,234/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,925
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,908
−HK$2,011/mo
Today · 4.125%
HK$77,919
baseline
▲ 0.50% · 4.625%
HK$82,026
+HK$4,107/mo
Deposit HK$6.24M · loan HK$14.57M · min. income ≈ HK$155,838/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,436
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,094
−HK$2,700/mo
Today · 4.125%
HK$90,794
baseline
▲ 0.50% · 4.625%
HK$96,318
+HK$5,524/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$181,588/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,047
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,596
−HK$2,586/mo
Today · 4.125%
HK$100,182
baseline
▲ 0.50% · 4.625%
HK$105,463
+HK$5,281/mo
Deposit HK$2.08M · loan HK$18.73M · min. income ≈ HK$200,364/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$831,543 · Scale 2, in force from 26 Feb 2026)