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$47,601
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,082
−HK$1,504/mo
Today · 4.125%
HK$50,586
baseline
▲ 0.50% · 4.625%
HK$53,665
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,172/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,956
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,376
−HK$1,441/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$58,759
+HK$2,942/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,122
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,899
−HK$1,805/mo
Today · 4.125%
HK$60,704
baseline
▲ 0.50% · 4.625%
HK$64,397
+HK$3,693/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,408/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,547
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,252
−HK$1,729/mo
Today · 4.125%
HK$66,981
baseline
▲ 0.50% · 4.625%
HK$70,511
+HK$3,530/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,962/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,642
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,715
−HK$2,106/mo
Today · 4.125%
HK$70,821
baseline
▲ 0.50% · 4.625%
HK$75,130
+HK$4,309/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,642/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,139
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,127
−HK$2,017/mo
Today · 4.125%
HK$78,144
baseline
▲ 0.50% · 4.625%
HK$82,263
+HK$4,119/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,288/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,683
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,348
−HK$2,708/mo
Today · 4.125%
HK$91,056
baseline
▲ 0.50% · 4.625%
HK$96,596
+HK$5,540/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,112/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,321
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,877
−HK$2,594/mo
Today · 4.125%
HK$100,471
baseline
▲ 0.50% · 4.625%
HK$105,767
+HK$5,296/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,942/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,547 · Scale 2, in force from 26 Feb 2026)