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$47,595
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,075
−HK$1,504/mo
Today · 4.125%
HK$50,579
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$3,078/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,158/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,949
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,369
−HK$1,440/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,805/mo
Today · 4.125%
HK$60,695
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,390/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,539
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,243
−HK$1,728/mo
Today · 4.125%
HK$66,971
baseline
▲ 0.50% · 4.625%
HK$70,501
+HK$3,530/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,942/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,633
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,705
−HK$2,106/mo
Today · 4.125%
HK$70,811
baseline
▲ 0.50% · 4.625%
HK$75,120
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,622/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,128
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,116
−HK$2,017/mo
Today · 4.125%
HK$78,133
baseline
▲ 0.50% · 4.625%
HK$82,252
+HK$4,119/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,266/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,671
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,336
−HK$2,707/mo
Today · 4.125%
HK$91,043
baseline
▲ 0.50% · 4.625%
HK$96,583
+HK$5,540/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,086/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,308
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,864
−HK$2,593/mo
Today · 4.125%
HK$100,457
baseline
▲ 0.50% · 4.625%
HK$105,752
+HK$5,295/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,914/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$837,258 · Scale 2, in force from 26 Feb 2026)