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$47,572
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,052
−HK$1,503/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,631
+HK$3,076/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,924
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,343
−HK$1,440/mo
Today · 4.125%
HK$55,783
baseline
▲ 0.50% · 4.625%
HK$58,723
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,566/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,087
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,862
−HK$1,804/mo
Today · 4.125%
HK$60,666
baseline
▲ 0.50% · 4.625%
HK$64,358
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,332/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,508
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,211
−HK$1,728/mo
Today · 4.125%
HK$66,939
baseline
▲ 0.50% · 4.625%
HK$70,468
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,878/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,601
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,673
−HK$2,104/mo
Today · 4.125%
HK$70,777
baseline
▲ 0.50% · 4.625%
HK$75,084
+HK$4,307/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,554/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,093
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,080
−HK$2,016/mo
Today · 4.125%
HK$78,096
baseline
▲ 0.50% · 4.625%
HK$82,212
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,192/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,630
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,293
−HK$2,707/mo
Today · 4.125%
HK$91,000
baseline
▲ 0.50% · 4.625%
HK$96,537
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,000/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,262
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,817
−HK$2,592/mo
Today · 4.125%
HK$100,409
baseline
▲ 0.50% · 4.625%
HK$105,702
+HK$5,293/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,818/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,262 · Scale 2, in force from 26 Feb 2026)