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$47,725
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,209
−HK$1,508/mo
Today · 4.125%
HK$50,717
baseline
▲ 0.50% · 4.625%
HK$53,803
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,434/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,093
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,445/mo
Today · 4.125%
HK$55,962
baseline
▲ 0.50% · 4.625%
HK$58,911
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,924/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,051
−HK$1,810/mo
Today · 4.125%
HK$60,861
baseline
▲ 0.50% · 4.625%
HK$64,564
+HK$3,703/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,722/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,712
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,420
−HK$1,734/mo
Today · 4.125%
HK$67,154
baseline
▲ 0.50% · 4.625%
HK$70,694
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,308/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,814
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,893
−HK$2,111/mo
Today · 4.125%
HK$71,004
baseline
▲ 0.50% · 4.625%
HK$75,325
+HK$4,321/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$142,008/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,330
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,324
−HK$2,022/mo
Today · 4.125%
HK$78,346
baseline
▲ 0.50% · 4.625%
HK$82,476
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,692/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,904
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,576
−HK$2,715/mo
Today · 4.125%
HK$91,291
baseline
▲ 0.50% · 4.625%
HK$96,846
+HK$5,555/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$182,582/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,568
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,131
−HK$2,600/mo
Today · 4.125%
HK$100,731
baseline
▲ 0.50% · 4.625%
HK$106,040
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.84M · min. income ≈ HK$201,462/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,946 · Scale 2, in force from 26 Feb 2026)