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$47,758
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,509/mo
Today · 4.125%
HK$50,752
baseline
▲ 0.50% · 4.625%
HK$53,841
+HK$3,089/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$101,504/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,130
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,555
−HK$1,445/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$2,952/mo
Deposit HK$10.47M · loan HK$10.47M · min. income ≈ HK$112,000/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,309
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,092
−HK$1,811/mo
Today · 4.125%
HK$60,903
baseline
▲ 0.50% · 4.625%
HK$64,609
+HK$3,706/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,806/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,756
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,466
−HK$1,734/mo
Today · 4.125%
HK$67,200
baseline
▲ 0.50% · 4.625%
HK$70,742
+HK$3,542/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,400/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,861
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,940
−HK$2,113/mo
Today · 4.125%
HK$71,053
baseline
▲ 0.50% · 4.625%
HK$75,377
+HK$4,324/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$142,106/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,382
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,377
−HK$2,023/mo
Today · 4.125%
HK$78,400
baseline
▲ 0.50% · 4.625%
HK$82,533
+HK$4,133/mo
Deposit HK$6.28M · loan HK$14.66M · min. income ≈ HK$156,800/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,964
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,638
−HK$2,716/mo
Today · 4.125%
HK$91,354
baseline
▲ 0.50% · 4.625%
HK$96,913
+HK$5,559/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$182,708/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,634
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,198
−HK$2,602/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,114
+HK$5,314/mo
Deposit HK$2.09M · loan HK$18.85M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$844,393 · Scale 2, in force from 26 Feb 2026)