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$47,720
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,204
−HK$1,508/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,798
+HK$3,086/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,088
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,512
−HK$1,444/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,045
−HK$1,810/mo
Today · 4.125%
HK$60,855
baseline
▲ 0.50% · 4.625%
HK$64,558
+HK$3,703/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$121,710/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,705
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,414
−HK$1,733/mo
Today · 4.125%
HK$67,147
baseline
▲ 0.50% · 4.625%
HK$70,687
+HK$3,540/mo
Deposit HK$8.37M · loan HK$12.56M · min. income ≈ HK$134,294/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,886
−HK$2,111/mo
Today · 4.125%
HK$70,997
baseline
▲ 0.50% · 4.625%
HK$75,317
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,994/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,323
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,316
−HK$2,022/mo
Today · 4.125%
HK$78,338
baseline
▲ 0.50% · 4.625%
HK$82,468
+HK$4,130/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,676/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,567
−HK$2,715/mo
Today · 4.125%
HK$91,282
baseline
▲ 0.50% · 4.625%
HK$96,836
+HK$5,554/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,564/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,558
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,121
−HK$2,600/mo
Today · 4.125%
HK$100,721
baseline
▲ 0.50% · 4.625%
HK$106,030
+HK$5,309/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,442/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$842,737 · Scale 2, in force from 26 Feb 2026)