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$47,711
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,508/mo
Today · 4.125%
HK$50,703
baseline
▲ 0.50% · 4.625%
HK$53,788
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,406/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,078
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,501
−HK$1,444/mo
Today · 4.125%
HK$55,945
baseline
▲ 0.50% · 4.625%
HK$58,894
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,890/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,253
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,809/mo
Today · 4.125%
HK$60,843
baseline
▲ 0.50% · 4.625%
HK$64,545
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,686/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,693
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$1,732/mo
Today · 4.125%
HK$67,134
baseline
▲ 0.50% · 4.625%
HK$70,673
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,268/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,795
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,873
−HK$2,111/mo
Today · 4.125%
HK$70,984
baseline
▲ 0.50% · 4.625%
HK$75,303
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,968/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,309
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,302
−HK$2,022/mo
Today · 4.125%
HK$78,324
baseline
▲ 0.50% · 4.625%
HK$82,452
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,648/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,879
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,551
−HK$2,714/mo
Today · 4.125%
HK$91,265
baseline
▲ 0.50% · 4.625%
HK$96,818
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,530/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,540
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,102
−HK$2,600/mo
Today · 4.125%
HK$100,702
baseline
▲ 0.50% · 4.625%
HK$106,010
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,404/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,343 · Scale 2, in force from 26 Feb 2026)