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$47,712
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,196
−HK$1,508/mo
Today · 4.125%
HK$50,704
baseline
▲ 0.50% · 4.625%
HK$53,789
+HK$3,085/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,408/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,079
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,502
−HK$1,445/mo
Today · 4.125%
HK$55,947
baseline
▲ 0.50% · 4.625%
HK$58,896
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,894/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,254
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,035
−HK$1,810/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,547
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,695
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,403
−HK$1,733/mo
Today · 4.125%
HK$67,136
baseline
▲ 0.50% · 4.625%
HK$70,675
+HK$3,539/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,272/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,797
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,874
−HK$2,111/mo
Today · 4.125%
HK$70,985
baseline
▲ 0.50% · 4.625%
HK$75,305
+HK$4,320/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,970/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,311
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,303
−HK$2,022/mo
Today · 4.125%
HK$78,325
baseline
▲ 0.50% · 4.625%
HK$82,454
+HK$4,129/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,650/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,881
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,553
−HK$2,714/mo
Today · 4.125%
HK$91,267
baseline
▲ 0.50% · 4.625%
HK$96,820
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,534/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,542
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,104
−HK$2,600/mo
Today · 4.125%
HK$100,704
baseline
▲ 0.50% · 4.625%
HK$106,012
+HK$5,308/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,408/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,389 · Scale 2, in force from 26 Feb 2026)