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$47,750
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,236
−HK$1,509/mo
Today · 4.125%
HK$50,745
baseline
▲ 0.50% · 4.625%
HK$53,832
+HK$3,087/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,490/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,122
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,546
−HK$1,446/mo
Today · 4.125%
HK$55,992
baseline
▲ 0.50% · 4.625%
HK$58,943
+HK$2,951/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$111,984/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,300
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,811/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,705/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,746
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,456
−HK$1,734/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$3,542/mo
Deposit HK$8.38M · loan HK$12.56M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,850
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,930
−HK$2,112/mo
Today · 4.125%
HK$71,042
baseline
▲ 0.50% · 4.625%
HK$75,365
+HK$4,323/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,084/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,370
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,365
−HK$2,023/mo
Today · 4.125%
HK$78,388
baseline
▲ 0.50% · 4.625%
HK$82,520
+HK$4,132/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,776/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,950
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,624
−HK$2,716/mo
Today · 4.125%
HK$91,340
baseline
▲ 0.50% · 4.625%
HK$96,898
+HK$5,558/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,680/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,619
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,183
−HK$2,602/mo
Today · 4.125%
HK$100,785
baseline
▲ 0.50% · 4.625%
HK$106,098
+HK$5,313/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,570/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,074 · Scale 2, in force from 26 Feb 2026)