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$47,549
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,503/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,898
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,439/mo
Today · 4.125%
HK$55,756
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$2,939/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,512/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,059
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,803/mo
Today · 4.125%
HK$60,637
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,690/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,274/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,478
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,727/mo
Today · 4.125%
HK$66,907
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,814/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,569
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,640
−HK$2,104/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$75,048
+HK$4,304/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,058
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,044
−HK$2,015/mo
Today · 4.125%
HK$78,059
baseline
▲ 0.50% · 4.625%
HK$82,173
+HK$4,114/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,118/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,589
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,251
−HK$2,705/mo
Today · 4.125%
HK$90,956
baseline
▲ 0.50% · 4.625%
HK$96,491
+HK$5,535/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,912/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,217
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,590/mo
Today · 4.125%
HK$100,361
baseline
▲ 0.50% · 4.625%
HK$105,651
+HK$5,290/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,722/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$835,267 · Scale 2, in force from 26 Feb 2026)