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$47,380
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,497/mo
Today · 4.125%
HK$50,351
baseline
▲ 0.50% · 4.625%
HK$53,415
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,702/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,710
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,124
−HK$1,434/mo
Today · 4.125%
HK$55,558
baseline
▲ 0.50% · 4.625%
HK$58,486
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,116/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,856
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,797/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$64,098
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,252
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,721/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$3,514/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,332
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,396
−HK$2,096/mo
Today · 4.125%
HK$70,492
baseline
▲ 0.50% · 4.625%
HK$74,781
+HK$4,289/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,984/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,794
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,773
−HK$2,008/mo
Today · 4.125%
HK$77,781
baseline
▲ 0.50% · 4.625%
HK$81,881
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,562/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,284
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,695/mo
Today · 4.125%
HK$90,632
baseline
▲ 0.50% · 4.625%
HK$96,147
+HK$5,515/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,264/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,878
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,423
−HK$2,581/mo
Today · 4.125%
HK$100,004
baseline
▲ 0.50% · 4.625%
HK$105,275
+HK$5,271/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$200,008/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$827,844 · Scale 2, in force from 26 Feb 2026)