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$47,535
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,014
−HK$1,502/mo
Today · 4.125%
HK$50,516
baseline
▲ 0.50% · 4.625%
HK$53,590
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,032/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,301
−HK$1,439/mo
Today · 4.125%
HK$55,740
baseline
▲ 0.50% · 4.625%
HK$58,678
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,480/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,042
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,817
−HK$1,802/mo
Today · 4.125%
HK$60,619
baseline
▲ 0.50% · 4.625%
HK$64,308
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,238/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,459
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,161
−HK$1,727/mo
Today · 4.125%
HK$66,888
baseline
▲ 0.50% · 4.625%
HK$70,413
+HK$3,525/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,776/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$2,104/mo
Today · 4.125%
HK$70,723
baseline
▲ 0.50% · 4.625%
HK$75,026
+HK$4,303/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,446/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,036
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,021
−HK$2,014/mo
Today · 4.125%
HK$78,035
baseline
▲ 0.50% · 4.625%
HK$82,149
+HK$4,114/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,070/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,564
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,225
−HK$2,704/mo
Today · 4.125%
HK$90,929
baseline
▲ 0.50% · 4.625%
HK$96,462
+HK$5,533/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,858/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,189
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,741
−HK$2,590/mo
Today · 4.125%
HK$100,331
baseline
▲ 0.50% · 4.625%
HK$105,620
+HK$5,289/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,662/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,647 · Scale 2, in force from 26 Feb 2026)